date: February 3, 1636. On that day, the infamous Dutch tulip bubble burst during an outbreak of the bubonic plague, illustrating that asset prices can plummet just as quickly as they soar. Now, almost exactly 385 years and another pandemic later, Wall Street waits to see how long it will take for history to repeat itself. Shares of video game retailer GameStop Corp have soared 1,625% since the start of January. Driving the rally are individual investors who have been stuck at home for the last ten months of pandemic. Many have turned to online forums like and are buying the stock, some as a form of protest against hedge fund managers who wagered that it would fall. These amateur investors are buying with the savings built up over the coronavirus pandemic, two rounds of stimulus payments from government and near zero interest rates. The stock price rally to above $300 per share has motivated some small investors to pour even more money into a company that Wall Street analysts believe is worth slightly more than $13 per share. The surge increases the risk that individuals will get caught up in the euphoria and will face the consequences of an eventual crash. "I dumped my savings into GME (Gamestop), paid my rent for this month with my credit card, and dumped my rent money into more GME a user with the handle ssauron wrote on WallStreetBets. "And I'm holding. This is personal for me, and millions of others."

Thist user ssauron is about to apply for house mortgage. Explain credit analysis from a banker perspective for this customer? --- 10 marks