Suppose you are a loan officer at Carbondale Local Bank. Joan Doe listed the following information on her mortgage application: Characteristic Value Annual gross income $20,000 TDS 124 Relations with FI Checking account Major credit cards 1 Age 20 Residence Rent Length of residence 3.5 years Job stability 2.5 years Credit history Missed 2 payments 1 year ago Characteristic Characteristic values and Weights Annual gross income 504 35%-505 154-354 54-154 Score -10 @ 28 40 Relations with FI None Checking account Savings account Both Score 10 10 20 Major credit cards None Between 1 and 4 5 or more Score 20 10 Age 60 Score 5 25 35 Residence Rent Own with nortgage Own outright Score 5 20 50 Length of residence 5 years Score 0 25 40 Job stability >5 years Score 0 25 50 Credit history No record Missed a paynent in last 5 years Met all payments Score -15 40 >$100,000 60 254 60 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. Answer is complete but not entirely correct. Complete this question by entering your answers in the tabs below. Required A Required B Calculate Joan Doe's credit score. Credit score 125 RA Required 8 >