The bakery loan request
Credit analyst at Aldwick Business Bank
About 65 minutes. Included in Plus.
A well run bakery wants a loan for a second oven and a bigger overdraft. The reported figures pass the bank's tests easily. Normalise them, test the request against the credit policy, find a structure that works and hold the line when a contract arrives that does not count.
Skills: Normalise a business's earnings for one-off items; Test a lending request against a credit policy; Recommend a structure that meets policy without losing the customer; Judge whether new evidence changes a credit decision