Anthony Krupincza, Branch Manager, Wells Fargo

>> Hi, I'm Anthony Kropenza. I work as a branch manager for Wells Fargo bank. The job entails managing a Wells Fargo bank branch and I work with a number of different bankers that are underneath me as well as the teller staff and a teller manager that works underneath me. We handle all the day to day operations that would come with banking whether it's a small transaction at the teller lines such as a deposit or withdrawal all the way up to bigger items such as mortgages, loans, investing. Things of that nature. We don't actually underwrite anything so nowadays the banking is a lot different than it was. 20, 30 years ago you might come up and meet the manager and they know you and they like you and they give you a loan because of your father or whatever it is. Nowadays it's much more regimented, segmented where we're really in charge of getting the information over to an underwriter as precisely as we can, as accurately as we can. So that way an underwriter can make a decision. But obviously they're looking at income, they're looking at history, they're looking at obviously credit, they're looking at the relationship that a customer might have with the bank. So they're looking at a number of different factors. Not the difference that me and you might look for if we were lending money to someone. Do we know this person? How familiar are we with this person? What kind of income do they have? Do they have an ability to actually pay us back on the loan? We are definitely judged on sales. You know, how many accounts did we open? How many loans? How much we were able to help our customers succeed financially? But at the end of the day it does come down to that service and our customers get a chance, every single day, to randomly grade us and let us know how we did and Wells Fargo is very strict about that. So at the end of the day it's a nice mix between sales, but also service. There's a lot of different styles that you can have. I'm very hands-on. So there are some managers that are in their office and they're just kind of in there managing from afar and then you have someone like me who is literally like kind of down in the trenches with my bankers and with my tellers and we're literally working with customers, speaking with customers and interacting every single day with our customers.