There is always a battle raging in a bank with the sales side vs. the risk management side and when one of those entities gains an upper hand bad things happen.

Back in the olden days when I was a banker we would actually go look at a property before we put a mortgage on it. I always asked the question would I (I being the bank) ever want to own this property? As the banker it was your reputation and credibility within the organization at risk, along with your bank's capital.

Maybe humans still have a place in the whole credit risk process.

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