Applying the 5 C's of Credit and Credit Rating/Scoring Information on Realistic Client Scenarios

Task 1: Review of Assigned Client Scenario

To provide learners with practice in applying the 5 C’s of credit and credit rating/scoring information on realistic client scenarios to approve or decline credit requests. As this is an integral part of the job description for bank sales staff, this will give learners some initial practice in this regard.

Task 1.

1. Review Client scenario that has been assigned to you.  

2. You have been provided with the client’s profile, credit rating, credit score and balance sheet and other relevant information that would be presented/obtained during a credit interview.

3.Assume that you are the lending officer, and the client within your scenario is applying for credit 

4. Analyze the information given and evaluate whether or not you would approve or decline the credit being asked for. 
You MUST prepare a comprehensive report with your analysis and your justification for the approval or decline for your assigned scenario (at a minimum, your report should contain the three elements listed below)