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Homework answers / question archive / Question 1 The rate of delinquencies per FICO score surpasses 50% for   No group has a delinquency rate of 50%   Individuals with scores up to 699   Individuals with scores up to 799   Individuals with scores up to 599 Question 2 When you sign a mortgage contract at a bank?   Banks generally rent your mortgage to a third party   The bank is allowed to resell your mortgage to a third party   The bank is never allowed to resell your mortgage to a third party   Your mortgage is trade on the stock exchange Question 3 Which of the following is a “Positive Loan Covenant”?   Members of the Board’s salaries cannot exceed a certain value (i

Question 1 The rate of delinquencies per FICO score surpasses 50% for   No group has a delinquency rate of 50%   Individuals with scores up to 699   Individuals with scores up to 799   Individuals with scores up to 599 Question 2 When you sign a mortgage contract at a bank?   Banks generally rent your mortgage to a third party   The bank is allowed to resell your mortgage to a third party   The bank is never allowed to resell your mortgage to a third party   Your mortgage is trade on the stock exchange Question 3 Which of the following is a “Positive Loan Covenant”?   Members of the Board’s salaries cannot exceed a certain value (i

Finance

Question 1

The rate of delinquencies per FICO score surpasses 50% for

  

No group has a delinquency rate of 50%

 

Individuals with scores up to 699

 

Individuals with scores up to 799

 

Individuals with scores up to 599

Question 2

When you sign a mortgage contract at a bank?

  

Banks generally rent your mortgage to a third party

 

The bank is allowed to resell your mortgage to a third party

 

The bank is never allowed to resell your mortgage to a third party

 

Your mortgage is trade on the stock exchange

Question 3

Which of the following is a “Positive Loan Covenant”?

  

Members of the Board’s salaries cannot exceed a certain value (i.e.: $1,000,000)

 

No merger is allowed until the loan reaches maturity

 

No additional debt can be incurred without bank approval

 

The bank will be allowed to inspect inventory

Question 4

Over the past decades, which of the following occurred?

  

Personal bankruptcy filings have increased, and Net Charge offs or write offs by banks have decreased

 

Personal bankruptcy filings have decreased, and Net Charge offs or write offs by banks have increased

 

Personal bankruptcy filings have decreased, and Net Charge offs or write offs by banks have decreased

 

Personal bankruptcy filings have increased, and Net Charge offs or write offs by banks have increased

Question 5

When evaluating loans, which of the following is true?

  

Assessing the character of the potential borrower is easy

 

For mortgages, collaterals are extremely important

 

Capital and collateral requirements are one and the same

 

Collateral refers to the individual's overall wealth 

 

 

Question 6

Which of the following is generally NOT an acceptable loan?

  

Loans on Boats

 

Loans on Home Improvement

 

Loans on automobiles

 

Loans secured by a second lien (other than home improvement or home equity loans)

 

Question 7

Over the past decades, the amount of money lent through student loans (i.e.: Citibank, BOA, WF, we the number of branches?

  

None of the solution is correct

 

Remained the same 

 

Decreased 

 

Increased 

 

Question 8

Which of the following is correct about bankruptcies?

  

Neither individuals nor companies can file for bankruptcy

 

Individuals cannot file for bankruptcy, only companies can file for bankruptcy

 

Both individuals and companies can file for bankruptcy

 

Individuals can file for bankruptcy, but companies cannot file for bankruptcy

 

Question 9

 

Please provide a text of at least 10 lines, but preferably more to address the following essay question.

 

Also, in order to provide a high-quality response, you should integrate economic, management or finance concepts learned in this class, and also provide a detailed explanation in support of your position to address the following question:

Present and explain what you believe to be the 3 most important factors which a Credit Analyst should consider when considering extending a commercial loan to an American small business/independent store selling everyday clothes which desires to open a store in Ecuador?

 

Question 10

Which of the following is correct about bankruptcies over the past decades?

  

Neither individuals nor companies have been filing more and more for bankruptcy

 

Individuals have not been filing more and more for bankruptcy, but companies have been filing more and more for bankruptcy

 

Both individuals and companies have been filing more and more for bankruptcy

 

Individuals have been filing more and more for bankruptcy, but companies have not been filing more and more for bankruptcy

 

Question 11

Over the past decades, which of the following occurred?

  

The number of mortgages has decreased, and the number of home refinancing have increased

 

The number of mortgages has increased, and the number of home refinancing have decreased 

 

The number of mortgages has increased, and the number of home refinancing have increased

 

The number of mortgages has decreased, and the number of home refinancing have decreased

 

Question 12

The rate of delinquencies per FICO score is less than 10% for

  

No group has a delinquency rate of less than 10%

 

All individuals with scores above 599

 

All individuals with scores above 699

 

All individuals with scores above 799

 

Question 13

APR are approximately which of the following?

  

None of the answers is correct

 

The fees that the borrower has to repay, but not including any interest rate

 

The interest rate that the borrower has to repay, but not including any fees

 

The interest rate that the borrower has to repay, including some fees

 

Question 14

Over the past decades, the number of banks (i.e.: Citibank, BOA, WF, we the number of branches?

  

Increased 

 

None of the solution is correct

 

Decreased 

 

Remained the same 

 

Question 15

Credit Scores and Credit history? 

  

Provide the exact same information to potential lenders to help lenders to decide of whether or not to extend a loan and also provides information to potential borrowers which helps them to know of their potential to receive a loan

 

Provide the exact same information to potential lenders to help lenders to decide of whether or not to extend a loan, but provide no information to potential borrowers

 

Provides information to potential borrowers which helps them to know of their potential to receive a loan, but provide no information to potential lenders

 

Provide slightly different and complementary information to potential lenders to help lenders to decide whether or not to extend a loan and also provides information to potential borrowers which helps them to know of their potential to receive a loan

 

Question 16

From which of the following sources do card issuers NOT earn income?

  

Interest on outstanding loan balances

 

Government subsidies

 

Discounting the charges that merchants accept on purchases

 

annual fees

 

Question 17

What are Net Charge off or Write offs?

  

Loan on whom special charges are added

 

Loans whose contract has been written in a ambiguous manner

 

Loans that banks do not expect the borrower to pay

 

Loans that have a high interest rates

 

Question 18

Which of the following generates a “greater percentage of profits for banks”?

  

Agricultural loans

 

Commercial loans

 

They generate the same percentage

 

Consumer loans

 

Question 19

Which of the following is generally NOT an acceptable loan?

  

Cosigned loans

 

Credit line loans

 

Loans for speculative purposes

 

Loans on Boats

 

Question 20

 

Please provide a text of at least 10 lines, but preferably more to address the following essay question.

 

Also, in order to provide a high-quality response, you should integrate economic, management or finance concepts learned in this class, and also provide a detailed explanation in support of your position to address the following question:

Present and explain what you believe to be the 3 most important factors which a Credit Analyst should consider when considering extending a home refinancing loan for the purpose of adding an additional room to a customer which has a low credit score but does not currently have any out of the ordinary debt?

 

Question 21

Typically, on a mortgage loan

  

Interests and principal to be paid are calculated bi-annually

 

Interests and principal to be paid are calculated every month

 

Interests and principal to be paid are calculated every year

 

Interests and principal to be paid are calculated every day

 

Question 22

Which of the following is a “Negative Loan Covenant”?

  

No merger is allowed until the loan reaches maturity

 

The bank will be allowed to inspect inventory

 

The borrower must maintain a certain amount for cash flow (i.e.: $20,000)

 

The Borrower must inform the bank of any litigation

 

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