As a Senior Credit Analyst at the bank's credit underwriting centre you have been requested to submit an analysis of the problems that you foresee facing the bank as it relates to its credit portfolio due Covid -19 pandemic. Your analysis should be based on your treating the assumptions in the case as accepted.

(a)You are expected to surface at least five problems and show why you expect these problems to occur. (20 marks).

(b)Based on your analysis, what remedies will you propose and what effects do you expect these to have on the bank's loan portfolio? At least five supported remedies are expected to be proposed.