WEBVTT

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>> Hi, I'm Anthony Kropenza.

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I work as a branch manager for Wells Fargo bank.

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The job entails managing a Wells Fargo
bank branch and I work with a number

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of different bankers that are
underneath me as well as the teller staff

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and a teller manager that works underneath me.

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We handle all the day to day
operations that would come

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with banking whether it's a small transaction
at the teller lines such as a deposit

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or withdrawal all the way up to bigger
items such as mortgages, loans, investing.

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Things of that nature.

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We don't actually underwrite anything

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so nowadays the banking is
a lot different than it was.

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20, 30 years ago you might come up and meet
the manager and they know you and they like you

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and they give you a loan because
of your father or whatever it is.

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Nowadays it's much more regimented,
segmented where we're really in charge

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of getting the information over
to an underwriter as precisely

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as we can, as accurately as we can.

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So that way an underwriter can make a decision.

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But obviously they're looking at
income, they're looking at history,

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they're looking at obviously credit,
they're looking at the relationship

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that a customer might have with the bank.

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So they're looking at a number
of different factors.

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Not the difference that me and you might
look for if we were lending money to someone.

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Do we know this person?

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How familiar are we with this person?

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What kind of income do they have?

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Do they have an ability to
actually pay us back on the loan?

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We are definitely judged on sales.

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You know, how many accounts did we open?

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How many loans?

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How much we were able to help our
customers succeed financially?

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But at the end of the day it does come down to
that service and our customers get a chance,

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every single day, to randomly
grade us and let us know how we did

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and Wells Fargo is very strict about that.

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So at the end of the day it's a nice
mix between sales, but also service.

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There's a lot of different
styles that you can have.

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I'm very hands-on.

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So there are some managers that are
in their office and they're just kind

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of in there managing from afar and then you
have someone like me who is literally like kind

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of down in the trenches with my bankers and
with my tellers and we're literally working

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with customers, speaking with customers and
interacting every single day with our customers.