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- Scene 1: Importance of credit analysis
- Senior Banker
- Good morning boss, just checking what is the importance of credit analysis?
- Thanks boss!
- www.zoom.com
- Intern Tom
- This determines the success of our prospective partners and be more confident to offer unsecured loans. Anymore questions?
- Good question! Well we need to analyze financial data to determine a customer's ability to repay his loans!
- Scene 1: Discussion of credit evaluation methods
- ���www.zoom.com
- Intern Tom
- Hmm... We could use modern technology to perform credit analysis to better cater to the digital consumer in today's context.
- Wow! Well done Tom!
- Okay, here's to brush up on your knowledge. If there is a client who doesn't have much credit data for credit scoring, how would you suggest we evaluate her credit scoring?
- Scene 2: Bank faces challenge in Credit Assessment
- This will help consolidate some of my debts and build a good credit score
- Application: Ryan Ang
- Bank Loan Application
- The Next Day...
- Hey, my name is Ryan Ang and I am looking to apply for a bank loan
- Scene 2: Downside of Traditional Credit Evaluation
- Senior Banker
- This is so inefficient, there are so many factors slowing the process down making my response time slow
- This is a highly risky profile as I am unable to verify his income statements
- There is also low transparency of data
- Sure, I will see what I can do for you. I will get back to you soon.
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- Scene 2: Unsuccessful bank loan application
- Why am I not granted a loan?! It is fine, I will just go to another bank
- I am so sorry but I am unable to grant to any loans as your profile is too limited
- Scene3: Bank arranges board meeting
- Vice Chairman: Mr Timothy Ong
- Finanical Advisor:Mrs Belinda Tan
- We are unable to work with insufficient data and each process takes time
- Senior Executive Officer:Ms Veronica Chong
- Why do we have low success loan rate and customer satisfaction?!!
- Chairman of Board: Mr David Lim
- Chief Executive Officer:Mr Jerry Chan
- We need to improve our method of analysis in order to have more qualifying loan applicants.
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