Below please find loan examples where ONE of the 5 Cs of Credit is the most significant element of each loan scenario decision. Please Select ONLY ONE of the Cs for each of the 5 scenarios.

Character-Capacity-Capital-Collateral-Conditions

46. Kelly Kingdom of Hallowell, Maine was recently denied her personal loan request (vacation money). She has a stable job, earns an above average income, but an examination of her credit report shows a series of active, delinquent loan accounts, resulting in a very low (651) credit score. You had no other option but to deny her loan request. Which C is this? __________________________.

47. Larry Linnea (age 47) of Farmingdale, Maine is a superb money manager. He earns a respectable income and has kept his debts down by paying cash for items (cars, boats and ATVs) that most people finance. When he did approach you for a personal loan to help his daughter pay for her 3rd semester tuition at the University of Maine at Augustaavoiding student loan debt, his calculated debt to income ratio with the proposed new loan payment was only 17%. You approve this loan request. Which C is most strongly influencing your underwriting decision? _________________.

48. Magdalena Martinez (677 credit scoreage 21) is one fortunate person; her great aunt recently told her she would provide $14,500 cash for her to replace her very unreliable 2010 Chevy Impala with a brand new 2021 Toyota Corolla. She barely has one year on the job, and 15 months at her rented apartment in Gardiner, Maine. Ms. Martinez added $500 of her own cash to make a $15,000 down payment on that 2020 Toyota. She will only have to borrow $6,000 on a new vehicle with a sticker price of $21,000. You approve this loan request. Which C makes you most confident about this loan approval? ______________________.

49. Ned Novinsky of Augusta, Maine sat in your mortgage loan office, proudly displacing his personal balance sheet showing a + $125,000 net worth at age 31. He has amassed a strong cash position in his checking, savings and CD accounts at Youma Bank & Trust, plus he has built an excellent common stock portfoliocertainly something he can quickly use to make mortgage payments if his employment (cash flow) is interrupted or reduced. This helps you to approve this mortgage loan request. Which C is the most significant factor in this scenario? _____________________.

50. Olive Olsen (age 52) of Augusta, Maine has worked her entire career at a western Maine paper mill as a skilled papermaker. The facility is scheduled to close within the next 4-6 months. Ms. Olsen appears at your loan desk, asking to borrow $27,500 (60-month loan) to finance the purchase of a 2-year-old (used/preowned) Ford F150 pickup truck to replace her 1997 Chevy Silverado. Because of the uncertainly of her employment and the lack of similar mill jobs in a 250-mile radius of her Augusta, Maine home, you deny this loan request. Which C of the Five Cs of credit is the most significant factor in your loan decision? _________________.