[justincormack]

Either way, loan officers do not talk to clients much any more, it has all been automated. "Computer says no" etc.

[waterlesscloud]

Thanks in part to software I wrote! I feel like I've made such a useful contribution to society!

[misaelm]

That is mostly the case for consumer loans. For commercial lending, the parametric score is just one factor of the overall underwriting analysis which, among other things, has loan officers talking directly to clients about their businesses.