So, as a bank, how do you pick a loan customer?
You pick the dull person, the workaholic.
Your best shot will be the guy who is up late every night fretting over every detail.
Forget passion, there is work to do.
My boss, who had been a commercial lender for over thirty years, said the best loan customer is one who has no passion whatsoever, just a desire to work hard at something that looks good on a spreadsheet. Maybe the loan customer wants to start a dry-cleaning store or invest in a fast-food franchise—boring stuff. That’s the person you bet on. You want the grinder, not the guy who loves his job.
-Scott Adams, How To Fail At Almost Everything And Still Win Big