I find the accountant in the bank an important NPC to have for wealth generation
That´s a big, big understatement, if any. He is not "important". Armand Blackford is absolutely crucial, and should be hired the first day you can enter in Crystal Hills, and you must pay more attention to gain his goodwill that the attention you pay to any chick.
The first day that you can enter in Crystal hill (in my build usually I can enter day 1 but usually wat till day 2 in order to have some 10.000 saved) you must visit the bank, take the loan (this 25.000$ + 10.000 it´s the first workshop) and hire the good old Armand Blackford, one of the mainstay of your household. The downsides of hiring him are a 1000$ investment, a daily expense of 60$ and 3 rations. And yes, at start his Accounting it´s useless (you still have not get investments to put him to work as an accountant) but
He starts with Int 75, so he possibly will be the best choice as a Foreman of your workshop for a while.
He starts with Disc 95, so if you put him to work as a worker in your workshop he will boost your production. It´s not unsusual to have at start workers (with the penalty of with 45+Despising) at work.
He will be a great Slave Master if you assign him to this task-. With his Int+Disc, being work alcoholic and above 35 years old his Slave Master skill would be above 100, and he will be second to none training the vital Discipline of your early workshop employees.
So even with no real Accountant work for him, he will not be idle at all and will earn his money by large.
But all of this it´s small potatoes. Here it´s the big deal.
When Selling slaves, having Armand in your employ adds +$50 to their
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, or +10% if he is Amiable or better (has
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60+) towards you
Just with his starting affection and selling 2 slaves per day, you pay his wages and food. Raising his affection to Amiable can be, at the start of the game with the map full of red mushrooms to clean, a source of thousands of $, and they would be early in the game, when your workshop based economy it´s not at full scale