Assignment 5: Consumer Loan Case Study

Instructions

In this assignment, please create two case studies in PowerPoint using the scenarios below. For both cases, you should assume that you work as a loan officer, and you will be presenting your thoughts to the credit committee at your institution.

John and Jane Doe

John and Jane Doe are both 40 years old with two children, ages 12 and 10. John is an assistant principal making $80,000 per year. He has been in the same school district for over 10 years, working in different positions. Jane works part-time, making around $14,000 per year. The couple has about $25,000 in equity on their current home and $30,000 in savings. They came to your office seeking a pre-approval for a new mortgage.

Create an initial 10- to 12-slide presentation for your credit committee describing the couple’s creditworthiness and your recommendation for pre-approval/denial. If you do pre-approve, include the maximum amount you would recommend.

Additionally, create 35 slides outlining a new credit card you would like to offer to John and Jane Doe. Include your rationale and the limit you are suggesting.