Ask a banker anything

I can approve single family homes loans up to $5 million. I oversee billions in loans to include monitoring performance and foreclosures. I also do my own analytics.

Yes, homes are a bubble and it’s popping right now.

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How does one become a banker? Willing to take SATs again and go back to college.

how much do senior internal audit roles pay at your bank, and are they 100% remote?

t. accounting fag

Are you jewish

Get a junior analyst role. That can be in sales or the credit side (aka underwriting). I’d that doesn’t work try getting a government job working for the FDIC, OCC, or Fed. Avoid CFPB.

Your soul will die at the government because it’s a bunch of old timers and waste of space people but you will learn the business and then leave after 4-5 years.

Not giving away my bank. No we don’t hire remote auditors. Remote is shut work because you don’t learn the business through emails and teams. You need to be on the floor hearing cross talk.

No.

How much do you like cunny?

How will your bank fare when the bubble pops?

>Remote is shut work because you don’t learn the business through emails and teams.
kek if that's the case then your bank sounds like a joke. i do statutory reporting fully remote at a 12 figure a year company (hint hint.) say hi to shekelstein for me.

Fag being a credit analyst isn’t being a banker

I think we’ll be mostly okay. We’ll take a couple hits, but we typically lend at 60% LTV or so and that can be after we cut appraisal values.

That’s nice. We’re very profitable. Keep your gig if it treats you well.

Lol I negotiate the terms and I design new banking products. Credit analyst is how someone gets into the biz when they only have a finance degree and no experience.

Do people really always take the highest loan they can get for a house. If they can afford up to a 5000/mo mortgage, will they always take it? It seems like people around me do that, with no regards to fluctuations in the economy or their own personal finances.

What’s your title?

You don't know shit about finance and markets lmao

Keep approving loans like a good soulless unintelligent worker

A lot of people take a mortgage too big. They over estimate what they can realistically afford. Not everyone of course but many do.

A lot of people are rich from real estate though.

Not giving it away as it’s a unique title but I’m two steps below CEO and have frequent meetings with CEO. I am a voting member in a committee that sets credit risk for the bank.

Are you guys still doing balloon mortgages.
Because I’ve noticed rents have really gone up.

What does the state do with the sales tax?

We do short term balloon mortgages at very low LTVs

Don’t know

Do you think Bank of America is based? I think they're based.

How committed is your bank to diversity and equity?
How do you measure the extent of that investment and how it pays off?

what do you think of CPI futures for the next year? Agree or disagree?

Sorry HPI not CPI lol

>unique
>not giving away
>pick one

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Not a concern of ours. We don’t talk about. Competency matters.

Also does maple syrup need to be refrigerated after opening? Because I never did but now my syrup is moldy. Is it safe to eat?
Please respond soon I'm trying to eat my breakfast.

HPI is going to be down. Too few buyers at these prices, rates, and wages.

Are traps gay?

>2 steps below CEO
>only approval of up to $5 million
Delusion.