Juan
:
'You
work
as
a
manager
at
a
bank
,
don't
you
?
'
Peter
:
'Yes
,
I
do
.
But
I
don't
actually
work
in
a
branch
like
you
find
on
the
high
/
main
street
in
any
town
or
city
.
I
work
in
the
loans
department
in
the
bank's
head
office
.
'
Juan
:
'So
,
what
do
you
do
?
'
Peter
:
'Do
you
want
me
to
tell
you
?
It's
not
exciting
.
'
Juan
:
'Yes
,
I
do
.
'
Peter
:
'I
am
the
manager
of
a
team
that
is
for
both
processing
loan
requests
from
existing
customers
of
the
bank
(
people
who
already
have
a
bank
account
with
us
)
and
deciding
whether
we
should
give
them
the
money
/
loan
.
'
Juan
:
'How
do
you
do
that
?
'
Peter
:
'If
somebody
wants
to
borrow
money
from
us
to
buy
a
house
,
a
car
etc
.
.
.
,
they
first
have
to
a
loan
request
to
the
bank
.
They
do
this
by
either
completing
an
online
form
on
the
bank's
website
or
by
completing
a
paper
form
and
sending
it
to
the
bank
.
If
the
person
completed
a
loan
request
form
on
paper
,
their
form
is
then
on
to
the
bank's
loan
application
system
by
another
of
the
teams
in
the
office
here
.
That
team
has
to
enter
all
the
form's
information
by
hand
on
to
the
system
.
'
Juan
:
'So
,
how
does
your
team
get
the
loan
requests
?
'
Peter
:
'All
the
loan
requests
for
the
bank's
existing
customers
are
sent
to
my
team
either
directly
from
the
website
or
from
the
loan
application
system
when
they
have
been
inputted
.
When
we
have
received
them
,
each
request
is
then
to
a
different
member
of
my
team
.
From
that
point
,
that
loan
request
is
their
responsibility
to
process
.
'
Juan
:
'How
do
you
decide
who
to
allocate
/
give
each
loan
request
to
on
your
team
?
'
Peter
:
'It
depends
on
how
many
loan
requests
each
member
of
my
team
is
dealing
with
at
that
time
.
If
one
of
my
team
is
working
on
less
requests
than
others
,
they
are
automatically
allocated
the
request
.
'
Juan
:
'How
long
does
it
take
them
to
process
a
loan
request
?
'
Peter
:
'There
is
a
5
day
time
for
each
request
to
be
processed
.
So
we
have
to
make
a
decision
within
5
days
for
each
request
we
receive
in
our
team
.
'
Juan
:
'When
you
say
working
days
,
that
doesn't
include
Saturdays
or
Sundays
does
it
?
'
Peter
:
'That's
right
.
If
we
receive
a
loan
request
on
Wednesday
,
we
have
to
process
the
request
and
make
a
decision
by
the
following
Tuesday
at
the
latest
.
But
loans
request
which
are
for
a
large
amount
of
money
(
e
.
g
.
over
$40
,
000
)
,
are
.
These
loan
requests
are
very
important
and
the
bank
makes
a
lot
of
money
from
them
.
So
,
these
are
not
only
allocated
to
the
most
experienced
members
of
my
team
,
but
they
also
have
to
be
done
quicker
.
So
they
have
a
3
working
day
turnaround
time
.
'
Juan
:
'And
what
happens
if
you
don't
process
a
loan
request
within
the
turnaround
time
?
'
Peter
:
'My
team
has
to
meet
set
.
One
of
the
set
targets
is
to
complete
all
loan
requests
within
the
turnaround
time
(
i
.
e
.
5
or
3
days
)
.
If
we
don't
,
then
the
team
is
.
'
Juan
:
'So
your
team
is
punished
for
not
completing
a
loan
request
in
time
?
'
Peter
:
'Yeah
.
Every
late
loan
request
we
complete
reduces
the
bonus
(
extra
money
)
the
team
receives
at
the
end
of
the
year
.
'