Suppose you are a loan officer at Carbondale Local Bank. Joan Doe listed the following information on her mortgage application: Value Characteristic Annual gross income $20,000 TOS 108 Checking account Relations with FI Major credit cards 1 Age 20 Residence Rent Length of residence 6.0 years Job stability 1.0 years Credit history Missed 2 payments 1 year ago Characteristic $10,000-$25,000 Annual gross income Sern Characteristie Values and Weights $25,000-$50,000 20 154-354 50% $50,000-$100,000 >$100,000 35 10 40 TOS 35%-50% 34-354 40 436 60 Store -10 0 20 Relations with FI Mone Both Savings account 10 20 Score 0 najor credit carde Noon 5 or more Checking account 10 Between 1 and 4 20 25-60 25 scoce 30 >60 Age 10 425 S Bant Soure 35 Residence Own with mortgage 20 Own outright 50 Soun 5 Length of residence year 1-5 years >5 years 40 Scare 0 4 Job stability Soorn >5 years 25 1-5 years 25 year 9 50 no record Het all paymenta Credit history Boore Hissed a payment in last 5 years -15) 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. Required A Required Calculate Joan Doe's credit score Credit score Required B > 4