LENDING PRINCIPLES AND PROCEDURES 1. Write-up a credit proposal for a housing loan for 10 million for a customer in a private organization working in a Managerial capacity married with two children considering all the steps you have learnt emphasizing on credit evaluation, customer evaluation, collateral, Payments terms and risk mitigating methods. You may develop any assumptions on the remuneration of the customer, his present loan outstanding, his credit card outstanding, his present living expenses and his lease outstanding according to your proposal and justify the same with theoretical and practical knowledge you have gained from the study program. You all need to elaborate the proposal using the " diagram of the credit decision process" which you have learned under Multidimensional model of credit decision process