Portfolio Assignment

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.

1. 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.
2. 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.
3. 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.
4. 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.

Portfolio Requirements

Portfolio assignments should be about 500 - 750 words (1 - 1.5 pages) in length.

Answer:-

You disagree with your subordinate because you do not think restaurants are good investments in general, so you have a terrible feeling about this current client's capacity to reimburse the advance dependent on your involvement in the market rather than any financial facts.

Advance for this situation can be approved dependent on certain variables and the essential factor that the association needs to have is sustainability in the industry and the time that the association has been there in the market because the pace of disappointment in the event of restaurants are high, henceforth the eatery for this situation must be there in the market and must be a beneficial business so they are ready to repay the credit. The association needs to have certain security factors also so that on the off chance that they can't take care of the credit we can utilize their security investments to recover the equivalent.

You disagree with your subordinate because you think clinical tasks are high danger for legitimate issues, so you have an awful feeling about this current client's capacity to reimburse the credit dependent on your involvement in the law rather than any financial facts.

There is no doubt in the way that clinical activity are extremely high danger incidents and thus in request to favor an advance for this situation because the law is very muddled. Consequently I trust Loan can be endorsed yet for that the individual needs to take up a legitimate arrangement which will express that the individual guarantee to pay the whole even at any expense regardless of whether the circumstance of the patient do not improve after the activity.

You disagree with your subordinate because you think individuals from their family are business disappointments, so you have an awful feeling about this present client's capacity to reimburse the advance dependent on your involvement in social history rather than any financial facts.

I accept that family ancestry ought not be considered as a significant factor for this situation and instead of that the business plan and thought of the business should be assessed dependent on which the credit can be endorsed to the individual so the business can prevail for this situation. While approving the advance we have to assess the choices that the individual have if there should arise an occurrence of a disappointment which can be utilized to repay the misfortune that is incurred.

You disagree with your subordinate because you simply have a terrible feeling about this current client's capacity to reimburse the credit dependent on your gut instinct rather than any financial facts.

I accept that we ought not accept and depend on our instincts because it might happen that the instincts are off-base and henceforth we should be viable enough so we can think of better intelligent and factual choices that will make the reasoning dependent on facts and not on instincts because it is uncalled for and not at all advocated.