You have just been appointed the Credit Manager at Sachsman Gold Financial Incorporated and you have just received a US$20 million credit request from a corporate client. You will have to take a qualitative approach in assessing this loan given the size of the exposure and the fact that the firm is not publicly traded. As a part of your assessment you will need to consider certain borrower-specific factors as well as market-specific factors that will influence your final decision regarding the loan. Explain at least four borrower-specific factors and two market-specific factors .