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Assume that you are an executive in the credit risk management (CRM) division of UTR Bank. Tobby, one of your colleagues, believes that loan sales

Assume that you are an executive in the credit risk management (CRM) division of UTR Bank. Tobby, one of your colleagues, believes that loan sales could be used by banks only to manage credit risk. Explain two reasons to Tobby how loan sales could be useful to UTR in addition to managing credit risk.

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