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 $21,000 TDS Relations with FI Checking account Major credit cards Age 24 Residence Own/Mortgage Length of residence 4.0 years Job stability 10.0 years Credit history Missed 2 payments 60 35 Residence Score Rent 5 Own with more Own outrit so Length of residence Score 1 year 1-5 years > years 40 5 years 50 Job stability Score Credit history Score No record Missed a payment in last 5 years -15 Het 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. Required A Required B Calculate Joan Doe's credit score. Credit score Required B > Complete this question by entering your answers in the tabs below. Required A Required Determine whether or not Joan Doe should be approved for a mortgage from your bank. Determine whether or not Joan Doe should be approved for a mortgage from your bank