You are corrupt—you took money in a briefcase (thousands) to make loans to bad candidates (in the millions). And you got caught. "Hi, Bubba. Loan spreads mean something different in here."
You just made a series of bad loans. Lots of defaults. Your judgment is questioned and you get fired. Bank teller maybe fits you better. Or how about pumping gas? Serving pizza? Waiting tables?
Nice long career at the bank but no big promotions or upgrades to your job. You've had an average mix of loans; some good, some bad.
You've been with the bank for 20 years and you have the skills to back up your good reputation. You are a loaning machine. Just like your father was when you were in high school.
You start your own mortgage brokerage service. You make thousands of loans a year and make thousands of dollars on each. Remember your humbler days when you were a lowly teller, hoping to pay off your used Prius...as you now drive a lovely Maybach.