a) What does structuring of a credit facility mean? (6 marks) b) Explain the concept of credit scoring and its advantages in lending? (6 marks) c) Explain the concept of a graduated payment mortgage instrument. (6 marks) d) Briefly explain the factors that affect the monthly payments on a residential mortgage. ( 6 marks) e) Name one company, which is not a financial institution, that has operations in Jamaica which could benefit from the use of securitisation. (1 mark)