Suppose you are a loan officer at Carbondale Local Bank. Joan Doe listed the following information on her Annual gross income 531,000 12% Checking account Relations with FI Major credit cards Residence Length of residence Job stability Credit history 4.5 years 3.0 years Missed 1 payment Annual gross income 5 years Job stability 5 years Credit history Missed a payment in last 5 years No record Met all payments 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. Credit score b. Determine whether or not Joan Doe should be approved for a mortgage from your bank. O The loan is automatically approved. O The loan is automatically rejected. O The loan to be reviewed by a loan committee for a final decision