C Low level of D. Reporting capabie 14. Trade a of which ouress day analytical tools B Bank a C. Public D, Reference materials and periodicals and trade checks 15. Which market factor tends to reduce risks to revenues A. Busines B. Firm's market share and trend C. Performance or ratios compared to peers O Established relationships with loyal customers s status as global, national, regional or local player 16.Which of the following is a common mitigating factor to the risk of A. Asset replacement insurance B. Large numbers of business owners or shareholders C. Depth of in-place, supporting managers D. Detailed cash budget 17. The degree to which fixed assets are necessary to operate in an industry is which industry risk? A. Obsolescence B. Capital intensity C. Cyclicality D. Legal, regulatory and labor outlook 18. What does an on-site inspection or follow-up call enable a lender to do? A. Determine whether the facility appears organized B. Compare the financial ratios of the business with its industry C. Conduct a trend analysis D. Eliminate a credit investigation 19. Quality of raw materials used is a key financial risk of which industry type? A) Manufacturer B. Wholesaler C. Retailer D. Service business 20. Which competitive force can be a major risk when there are concentrations amounts of inputs such as raw materials, components, labor and services? A. Bargaining power of customers B. Bargaining power of suppliers