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Is the financial loan contract signed by the bank staff who illegally lend money to defraud the parties valid?
Specific analysis of specific things,

We can't draw a conclusion without conclusive evidence,

The general bank staff's loan is not decided by one person.

There are several audits,

At the same time, when handling in the bank, the behavior of the staff is on behalf of the bank.

Non-personal behavior;

Before signing the loan contract, both parties should read it carefully and reach an agreement before signing it.

After signing the word, I found that it was not conducive to myself and could not be said to be fraud;

As long as it is not illegal, it cannot be judged as fraud.