The business owner decides to get a loan

You are the business owner. You are driving down the interstate and see the advertisement from a major bank on a huge billboard that says they are the small business lender and you should see them.

You decide, "If they spend that kind of money on advertisements, they must really be making a lot of loans". This makes sense. You decide to go to the bank the next day and discuss a loan with them. The next day, you go to the bank, and eventually you speak with a loan officer. This person may well not be a loan officer. To your surprise, the branch you go to may not even handle business or personal loans anymore. It all now be centrally processed, and the branch is just the "front man" for the processing.

If you are in the branch asking for a business loan, this is very serious for you, & the staff there may not even be involved in your request when, as well as after you apply. If you apply at the branch, the person you are speaking with may not even speak with you again after you have applied.

Find out at the branch, do you all procure loans in the branch? Are you a loan officer? Are you going to handle this request?