thanks in advance for your support $30.$ Which of the following is NOT a reason why financial institutions complete annual reviews on a borrower?

Annual reviews are best practice due diligence associated with monitoring a borrower$$s loans

Annual reviews give borrowers a sense of key loan parameters such as the interest rate, time to maturity, and security

Annual reviews help lenders to identify early warning signs, to mitigate credit risk, and to meet regulatory requirements

Annual reviews allow lenders to assess and meet the changing needs of borrowers

$31.$ Which of the following activities is generally performed during an annual business review?

Identifying potential future business opportunities

Evaluating updated financial information for any personal or corporate guarantors

Re$-$evaluating the decision$-$making process within an organization

Examining factors that impacted the company's financial ratios

$32.$ What bond rating can we expect for a company with a Z$-$score $($original version$)$ of $3\mathrm{.}495$ to have?

A

BB

AA

BBB

$33.$ Which of the following describes a retrenchment strategy?

Increase advertising spend to attract more customers.

Alter prices to bring in more total product sales.

Refocus or reposition the company's products to target more demographics.

I $4)$ implement a just$-$in$-$time supply chain system that will significantly lower inventory costs.

$34.$ When conducting an annual credit review, which components are typically reviewed?

Security

Financial Systems

Marketing

Business Operations

Management

Financial Statements

$35.$ Match the appropriate business writing document to each type of audience.

A$)$Corporate social media posts

B$)$Financial Statements and Analysis

C$)$ Dashboard

$1.$Director

$2.$Manager

$3.$Layperson

$36.$ Select ALL the items an analyst should look at when assessing the management capacity of an applicant.

Personal Guarantee

Attitude Towards Risk

Past Performance

Experience and Stability

Reputation

$37.$ Select ALL the items an analyst should look at when assessing the management capacity of an applicant.

Personal Guarantee

Attitude Towards Risk

Past Performance

Experience and Stability

Reputation

$38.$ What should a credit analyst aim to do when writing a credit application?

Only include information that is relevant and necessary for the credit adjudicator to make the credit decision.

Include the historical and forecast financial statements for the credit adjudicator to sift through.

Provide as much detail as possible to avoid leaving out any potential items that may affect the credit decision.

Avoid all technical terms and jargon in the application, as it only adds complexity.