It was Patrick Whack's first day in his new role as a loan assessor at the bank... ...and his boss, being not an arsehole, tells him that it's okay to ask him questions if he runs into trouble. His first customer of the day, an Italian with a strong accent, is after a personal loan, but doesn't have that much in the way of assets or a decent credit rating so Patrick is iffy on granting the loan straightaway, but asks the customer if he has any collateral. ""Oh-a, just a few knick-knacks, I'm afr…