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- Ethan checks his email before entering office
- To: Ethan
- Perfrom credit analysis on 2 individuals (John Ryan) and a small business owner (Andrew)
- Ryan, Credit Card Loan
- John, Personal Loan
- Andrew, Mortage Loan
- Ethan thinking of why he has to take on his role seriously
- ce
- vv
- Bank
- Low Risk
- High Risk
- Profit
- Ethan thinking of why he has to take on his role seriously
- svd
- Unsecured loans
- Risk Alert: High
- cc
- Bank
- Lose Money
- Ethan is a 35 year old male who workes as a credit analyst in a bank for 2 years. He is tech savvy and can respond quickly to the changes in the environment of the bank he is working in. Ethan's role as a credit analyst is to access the creditworthiness of applicants using credit analysis.
- Performing credit analysis on the first individual, John
- John
- Credit History: Insufficient
- Ethan understands the importance of credit analysis in determining the applicant's ability to repay the loan owed to the bank. Also, credit analysis will help to minimze the risk of lending and to maximize the profit of the bank where high risk applicants are less desirable to be to be offered the loan as compared to low risk applicants who are more creditworthy.
- Performing credit analysis on the next individual, Ryan
- Ryan
- Credit History: Excellent
- Ethan also feels that credit analysis is important when it comes to granting unsecured loans since there is no collateral, therefore more risky. Credit analysis will be able to reduce the possibility of loaning to applicants who defaults on their loan, which can cause the bank to lose money.
- Performing credit analysis on the small business owner, Andrew
- 1 June 2022
- Credit History: -----Amount of Credit used: ----Credit Avaliable: -----
- Andrew (Business Owner)
- With little credit history, John's personal loan request will not be considered as there is insufficient information to predict his creditworthiness. Ethan feels that it is a missed opportunity for the bank to gain a potential customer and a potential profit.
- Oh no! I do not have enough information to determine if John can repay the loan obligation if the personal loan is granted to him
- Ethan feels that although Ryan has an excellent credit history which shows that he is creditworthy, there may be a chance that Ryan pose an underlying threat such as by defaulting his insurance payments which is undetected by traditional credit analysis.
- John's Insurance Payment Record
- 01/01/22
- 01/02/22
- 01/02/22
- Default
- Default
- Default
- Ethan took nearly two and half weeks to complete a credit analysis on the small business owner, Andrew which he felt was long process. The process include having to gather data, analyze the data, and making a judgment.
- 18 June 2022
- Oh my! I am finally done! Performing credit analysis is such a lengthy process
- Approve Reject
- Andrew (Business Owner)
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