When you enter a bank with the hope of being approved for a small business loan, find out what the job title is of the person that is helping you. Make sure they are not just a checking account representative that is taking the application because the loan person, or loan officer is at lunch or out that day. Ask them "Are you a loan officer? If the answer is no, I suggest saying "Who is and when will they be available?"
Don't let them off the hook on this issue. The employee will very likely try to assure you that their taking the application is fine. It is not! You have questions to ask and if they are not much involved in the details of credit day to day, they do not know what is in your self interest.
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