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The purpose of the separation into regions is so the Sales representatives and processing staff was to establish a relationship, but sales rep some and go often so, it is difficult to build a relationship. Second step is interest rate determination there is only one person performing this process and it only takes up half his time to complete the task which takes about a half-hour per application to complete. Third step is loan terms which take three to ten hours to complete and consist of three individuals, also sorted by region. The final step is final issuing which take about three to four hours and is preformed by either of the two individuals...
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