good question. The individual is racist, but he/she is probably just racist in the same way that almost everyone is: the society that they grew up in created associations in his nervous system that black people are more likely to be incompetent, unprofessional, untrustworthy, or whatever. Furthermore, the individual may be conditioned by society to believe that certain innocuous elements of black culture or mannerisms somehow indicate an inferiority - they may consider black speech mannerisms as a sign of lower intelligence, or they may consider black styles of hair to be unprofessional. These are all part of a cultural system that stigmatizes blackness and black people. It's not the same kind of systemic racism as racist rules/bureaucracy, but it's still part of a system of racist beliefs and customs.