Posted on by Judy

Every manager has different skills, and specialties of expertise. It is quite possible that you could be in a situation where you see something that someone else does not see, especially if they are working under you with less education or experience than you. If a loan officer working under you recommends a loan to a customer, describe (A) when you would authorize that loan, and (B) when you would deny the loan in each of the following cases and give your rationale. You disagree with your subordinate because you do not think restaurants are good investments in general, so you have a bad feeling about this customer’s ability to repay the loan based on your experience with the market rather than any financial facts. You disagree with your subordinate because you think medical operations are high risk for legal problems, so you have a bad feeling about this customer’s ability to repay the loan based on your experience with the law rather than any financial facts. You disagree with your subordinate because you think members of their family are business failures, so you have a bad feeling about this customer’s ability to repay the loan based on your experience with social history rather than any financial facts. You disagree with your subordinate because you just have a bad feeling about this customer’s ability to repay the loan based on your gut instinct rather than any financial facts.

It is necessary to do a financial analysis and understand the market in the situation of providing loan for restaurants. If the applicant has a good history and a strong profile with financial assets then it would not be a problem for providing loan.
In the next situation where medical operations are a high risk for legal problems it will be a wise decision to not grant loan. Granting loans are also based on the risk factor and High risk factor will not be ideal choice for loans. However it is important to do a thorough check with financial facts before providing any decision.
The case wherein members of the family are business failures and they don’t have the ability to pay loan should be considered. It is important that while providing the loan the history of the applicant needs to be taken into account. Also the guaranters play an important part in the loan application process. If the applicant has strong financial assets then it should not be a problem. Loan is not based on gut instinct but financial analysis and facts
 
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