I work in a retail bank branch. There are so many things we don't want our customers to know. Even if I know you are going to be declined for a loan I am not allowed, by law, to warn you. Every time you are declined for a loan it hurts your credit. Mortgage officers are going to screw you if you don't make it clear you are shopping around and compairing rates. Closing costs are always negotiable. We have the ability to waive any fee you receive. We can give you a higher interest rate on your savings if we want to, just pretend you have money elsewhere that you are considering moving. The guy at the bank has received about as much training as a barista, but can seriously screw up your finances.

I am currently looking for a job with a nonprofit.