oursourced bankers are not trained by the bank internally and might not be equipped with the legal implications of certain procedures but they do come in handy if you need to shop for best rate as they dont just represent one bank, so they are able to tailor something thats more fitting to your needs.

and they do know how to cut corners to get things done, at the expense of your risk

they can only game the system if the higher up from inside are colluding with them, for sure it will go busted in no time. ts is asking if outsource or direct is preferred mode, i then answered it really depends of whats the objective and the credit ratings.