However, there are some areas where improvement is needed. Upper management often seems ensnared in bureaucratic processes that can stifle innovation and feedback from lower-level employees. On several occasions, I proposed logical enhancements to sales tactics and scripts that, despite their potential, were overlooked due to my position within the company hierarchy. The company’s suggestion portal offers a modest $50 reward for ideas, which feels inadequate given the potential impact of some proposals. Although there are opportunities for upward mobility, navigating the path to raises and promotions requires significant effort and self-advocacy. Addressing these challenges could make PennyMac an even better place to work.