It's wrong to judge people by their race.
Roger is a loan officer at a bank, and an ambitious, millennial, African American couple, Shaun and Tamra, come in asking for a small business loan.
Roger wants to perform his job.
Roger takes note of their ambition and sees potential and goes ahead and approves their loan.
Roger assumes because Shaun and Tamra are young and black, that they would default on the loan and doesn't approve them.
Shaun and Tamra are able to start up a successful business and appreciate Roger.
Shaun and Tamra aren't able to start their business venture and think Roger is a racist.