The first firm which I remember faking members of staff was the Reader's Digest. Any major offer was fronted by the picture of a person and a signature. When you phoned to ask to speak to the 'name' it was explained that they did not exist and that was their method to keep track of their many offers. The next ones to do it were the home shopping people.
It is a little known fact that any person who appears in a TV advert must be a member of Equity or other actor/actress Union, otherwise camera guys, etc., will just down tools. So somebody bragging about a product is a fake too.
This is all very well but when banks and building societies start doing the same thing then there is a question of the fake being an authority to agree to terms. They cannot be so in any Law. So query every dot, comma and signature on any loan document ans ask is Willie Jones still working for you???