Question: Define credit risk, and discuss the methods used to measure individual risk, and credit risk concentration within a loan portfolio in a financial institution.

In addition, you are required to:

• Comment on at least two (2) posts from your peers and provide sound supporting arguments for your responses.
• Each graded discussion should be between 300-400 words. Students will not be penalized for exceeding the word limit indicated. However, students will be penalized for falling short of a minimum of 300 words. The educational objective of this exercise is for you to engage in a process of critical thinking, which includes analysis and synthesis.
• External references must be appropriately cited both in the body of the response as well as in a reference list at the end of the response, using American Psychological Association (APA) format.
• Please be guided by the rubric for this assignment.