some organizations like McBride Financial Services have been trying all possible to be among the best companies in the financial sector in providing affordable mortgage services to buyers. The organization does various things to perfect this goal and other objectives by having to base its sales on target clients. The major clients or buyers are the problem credit clients and first-time buyers. It does this by targeting various locations throughout the United States. One of the main ideas of management in receiving customer demands is to ensure that top services are offered within a friendly business environment. Businesses go through ethical dilemmas at one point in their life cycle and McBride Financial Services is not exceptional. The financial organization has gone through a tough moment of ethical dilemma within its financial service and on its management systems.
The company understands that financial services influence the lives of many people. This aspect could be seen in two dimensions. The lives of people relying on the company’s services could be at a stake given a situation whereby integrity is not considered effective. While problems related to the ethical dilemma may persist, it may be too difficult to determine how to solve such problems while taking a particular course of action. While a solution to various problems may come from the internal aspect of the organization management, external contributions may come in and join hands in solving the problem of insufficient integrity on customer services (Curtis, 2008).
The McBride Financial Services is an organization whose services had been insufficient on the way they are offered to customers. Various reasons initiate unethical behavior within the financial organization, a fact that causes the ethical dilemma (Curtis, 2008). There has been an enticement of short-term gain. This brings a concern on the best ways of establishing risks, which aroused a steady concern on customer loyalty or truthfulness concerning the securities on services given to them. There is a major influence of the management from the employee level. This influence happens to be a factor that could be a resulting force to the poor relationship existing between clients and employees in the company (Curtis, 2008). Anything related to this force against good services offered to employees is part of the ethical dilemma affecting the financial service company. About the issue of risk, some people take it as a short-term agenda but unfortunately go on throughout the short-term period and penetrate the long-term business period.
In some case, ethical behavior is seen as perfect but only to learn that benchmarks based on different motives that is far away from serving the interest of majority of consumers. This issue of different motive from the set attributes on ethics is a problem that kept the organization’s goals and objectives of emerging as the best in future service delivery to mortgage consumers (Russell, Dortch, Gordon, & Conrad, 2011). The company had aimed to be the best in offering affordable mortgages to its consumers and at least grow to be the largest company in its industry and market. These goals and objectives are doomed by the fact that whatever was meant to be a beneficiary of all mortgage customers could hardly be realized without good ethical grounds of the organization.
Ignorance on the values of the company culture with respect to regulatory issues is still a problem affecting the prosperity of McBride Financial Services Company. Values are worth understanding in that if clear understanding of values placed on good services, regulations from external bodies such as the government would not be a problem. Avoidance of taking keen note of good organization values has resulted to ethical dilemma of the company (Russell, Dortch, Gordon, & Conrad, 2011). Good values placed on service delivery would be associated with business law and regulations governing all financial service delivery. Given that the law has not been observed keenly at one point, influence by Federal regulations on the firm may have doomed any attempts to do well in mortgage service delivery (Russell, Dortch, Gordon, & Conrad, 2011).
As a virtual organization in the same industry, ethical dilemma would come up if the law were not observed effectively. In order to achieve any set goals or objectives concerning growth and offering good financial services to customers. In offering good services in accordance to the set targets, the main issue of concern is to check on the difference that various consumers may have on the services offered. The virtual company needs to place consumer need and expectations before all other issues especially before the growth of the organization (Trevino, 2011). The organization would grow best and reach targets if ethical issues are addressed properly. In addressing ethical issues crating ethical dilemma, consideration of consumer satisfaction could be the ultimate solution. This solution would however come into perfection if a good relationship between workers, departments, and workers to customers were improved. Once customers are satisfied, a good publicity would be created on the organization and hence the growth of the virtual company.
There should be avoidance of differences originating on the risks viewed on consumer of various scopes. Consumers may not be perfectly determined in terms of who could pay in the best way or would hardly afford what is required of him or her. There should be no arguments but a correct estimation of the probability of a borrower’s ability to repay a mortgage or any other financial process. The best way to develop a risk free business environment is to establish conditions that every mortgage borrower would be able withstand alongside excavation of the best information possible concerning borrowers. This way, there would be no ethical dilemmas.
Curtis, G. (2008). The financial crisis and the collapse of ethical behavior. Retrieved February 13, 2013, from Greycourt & Co., Inc. : http://www.nowandfutures.com/d2/ethics_and_integrity_issues_were_the_cause_WhiteP aper044-FinancialCrisis.pdf
Russell, K., Dortch, M., Gordon, R., & Conrad, C. . (2011). Ethical dilemmas in the financial industry. Retrieved February 13, 2013, from Sage Publication: http://www.sagepub.com/upm-data/45694_Case_Study_1.pdf
Trevino, L. &. (2011). Managing business ethics: Straight talk about how to do it right, 5th edition. Hoboken, NJ : John Wiley & Sons, Inc.
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