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Mackenzie's title was 'Business Relationship Manager'. He had a lucrative expense account to wine and dine clients at top local hotels and restaurants such as the five-star Balmoral and the Witchery near Edinburgh Castle.
For Mackenzie, raised by churchgoing parents in the small town of Cellardyke, Fife, and who arrived in the city in the mid-Nineties after working for the RBS in Dundee and East Wemyss, it was an exciting and intoxicating world.
So Mackenzie agreed to organise the transaction without the proper paperwork or the usual stipulations.
No one would ever know.' How Donald Mackenzie, who was led away to to prison in handcuffs yesterday, must now wish he had simply walked away when that fatal proposal was put to him.
Many recipients were businesses which, although genuine, might not have qualified for the kind of handouts Mackenzie was rubber-stamping.