Ok muthafucka. You have been in your job a month. We have had two meetings and they have both not gone well.
First off I work for a bank. I am in sales. I was a top loan (refi, equity lines, business lines of credit, purchase money) producer until the bottom fell out of the market…AND I only wrote good business, able to sleep at night knowing I did the right thing for people, even if it meant counseling them to save money and not borrow from me.
After the loan market collapsed I REMAINED a top producer in our other lines of business. In all areas where we are objectively measures I am in the top 5%, somtimes in the #1 position. I do an excellent job.
So you, fuckwit, come onto the scene from a peripheral position. You know vaguely what I do, and you are a manager and your job is to help me with MY job, or coach me if needed.
Your first day you come to my office with your boss. I tell you about an equity line I am trying to get closed for a guy in time for him to pay college tuition for his daughter. All of the requirements are in and documented, but in our (GINORMOUS) bank’s infinite wisdom, we decided to start doing loans without hiring any underwriters. So My customer’s deal languishes on some desk without being looked at. So I give you a chance to shine in front of your boss, asking you to swing your big-manager-dick around a bit and get an underwriter to look at my deal since it is time sensitive. You proceed to lecture me at length about how I could have made this deal go smoother. Except you have never originated or processed a loan in your fucking life and you are completely talking out of your ass! Yeah I called you out on it front of your boss, but if you don’t want to look like a fool, don’t try to make me look like one. But I did learn that after working for many bosses who believed if they can make me look good, they in turn look good as well, I finally have a boss that wants to make himself look good by making me look bad…point well taken.
My bank is merging another bank. Our loan processes are combining as well. It is very confusing. It is next to impossible to get anything approved, and it is like navigating a maze of horseshit and razorwire to make progress. The VAST majority of people in my position are still focusing on other lines of business waiting for more clarity before they start doing loans, but no not me. I am still trying to do what is right for the customer, even if it is a loan.
But this particular gentleman, even though he has good credit and plenty of value in his house, was turned down because he has a high amount of revolving credit (AKA credit cards debt). So he tells me he is going to sue. (whatever, dude) So I send an email to my boss filling him in so he isn’t blindsided by this guy.
He comes into my office today unannounced at 5:00 and tells me we need to call the customer. OK, no problem. He goes in another office and calls me in. When I get in there he is talking to the customer. HELLO? Don’t you want to talk to me to get some details? Find out what happened? But ok, you want to wing it. I’m cool with that.
The call goes on for 30 minutes and I just sit there. The air condition is on WAY cool and at one point I wrap my arms around myself and rub my arms a bit.
So he gets off the phone and says, “So do you want to tell me your side of the story?” Ummm, my side? I didn’t turn the guy down, the new guidelines did. Well the customer was pissed and embellished a few details, saying I told him he was approved, which I did nt do. He also said I didn’t return his call promptly, but his expectation was a return call within an hour, which just is ot reasonable.
So I start to tell Mr. Boss Man what happened and he cuts me off saying that he believes the customer and doesn’t want to hear my excuses. Huh? What the…? Are you kidding me?
He said he was concerned because this is the second customer issue I have had. MOTHERFUCKER THE FIRST ISSUE WAS ME ASKING YOU FOR HELP, NOT A CUSTOMER COMPLAINT. I FUCKING CALLED YOU! The second is a disgruntled guy who got turned down. So you know what? I am joining the ranks of the rest of your crew, and just avoiding loans. Do 'em yourself, or explain to your manager why your team is not producing.
Then to cap it all off he says, “You must respect me, and it is innapropriate for you to yawn while I am on the phone with a customer.” I said, “I didn’t yawn.” He said “I am pretty sure you did.” I said “I shivered a little because its cold in here”. He said, “That was disrespectful.”
Fuck off.