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A good Credit Risk Manager applies the basic principles of lending Character, Capacity, Collateral and Covenants, Suitability and Profitability to the analysis of individual loans

A good Credit Risk Manager applies the basic principles of lending Character, Capacity, Collateral and Covenants, Suitability and Profitability to the analysis of individual loans to each customer. Critically evaluate the contribution of a credit risk model to this analysis?

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