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Suppose you are a loan officer at Carbondale Local Bank. Joan Doe listed the following information on her mortgage application: Characteristic Annual gross income TDS Relations with FI Major credit cards Age Residence Length of residence Job stability Credit history Value $21,000 10% Both 7 21 Own outright 4.5 years 0.5 years Missed 3 payments 50% -19 $50,000-$100,000 35 5%-15% 40 >$100,000 60 56 60 Relations with FI Score None @ Checking account 10 Savings account 10 Both 20 Major credit cards Score None Between 1 and 4 20 5 or more 10 Age Score 60 35 Residence Score Rent 5 5 Own with mortgage 20 Own outright 50 Length of residence Score 5 years 40 Job stability Score 5 years 50 Credit history No record Score Missed a payment in last 5 years -15 Met all payments 40 The loan is automatically rejected if the applicant's total score is less than or equal to 120. The loan is automatically approved if the total score is greater than or equal to 190. A score between 120 and 190 (noninclusive) is reviewed by a loan committee for a final decision a. Calculate Joan Doe's credit score. b. Determine whether or not Joan Doe should be approved for a mortgage from your bank Complete this question by entering your answers in the tabs below