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Question: As a bank manager, you are approached by one of your loan officer who brings a loan application to you for advice. The customer has good credit, sufficient income, and the required down payment to buy a house. However, on the loan application, the customer visibly changed his length of present residency from 24 months to 23 months. That small change caused the applicant to miss the loan score required for approval by one point. You know how to adjust the score on the bank's computer. This $750,000 loan, if approved, will put the loan officer and you over your quarterly goals, and entitle you to a paid vacation and a substantial $60,000 bonus. Additionally, your supervisor is counting on your division to achieve its goal, because it also entitles her to significant benefit and compensation.
A) What are some of the main risks in banking that may be at issue if the wrong decision is made with this loan?
B) You are aware that your supervisor is aware that other managers have adjusted loan scores on occasion to reach their goals. Could that affect your decision as to what you will do? Why or why not?
C) What will you do, and why?
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Polycorp is considering an investment in new plant of $3.25 million. The project will be partially financed with a loan of $2,000,000
Every organization adheres to certain cultural values. Sometimes they are obvious, sometimes not. Frankly, some values are good and some are not.
Initial Public Offerings Paper Write a 500 word paper describing an initial public offering for a global firm.
If the amount is over $1,500,000 but not over $2,000,000 the tentative tax is then $555,800 plus 45% of the excess of such amount over $1,500,000. Based on these facts, the net federal estate tax payable is
the reaction times for a random sample of 9 subjects to a stimulant were recorded as 2.5 3.6 3.1 4.3 2.9 2.3 2.6 4.1
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As the economy goes through highs and lows, investors with stock in various companies face significant risk. How do you see the stock market
Cold Chiller Corporation (CCC) has annual sales of $10 million, cost of goods sold of 60 percent, average age of inventory of 80 days, average collection period of 35 days, average payment period of 30 days, and purchases that are 60 percent of cost ..
The budget proposal submitted by the Bush administration in 2006 projected increasing deficits over time, that is, a growing 84P between expenditures.
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