15 Sep Looking for help creating 2 case studies in PowerPoint . For both cases you should assume that you work as a loan o
Looking for help creating 2 case studies in PowerPoint . For both cases you should assume that you work as a loan officer, and you will be presenting your thoughts to the credit committee at your institution . Create a 10-12 slide presentation for your committee describing the couples creditworthiness and your recommendation for pre approval/denial. If you do pre-approve, include the maximum amount you would recommend.
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Assignment 5: Consumer Loan Case Study
Instructions
In this assignment, please create two case studies in PowerPoint using the scenarios below. For both cases, you should assume that you work as a loan officer, and you will be presenting your thoughts to the credit committee at your institution.
John and Jane Doe
John and Jane Doe are both 40 years old with two children, ages 12 and 10. John is an assistant principal making $80,000 per year. He has been in the same school district for over 10 years, working in different positions. Jane works part-time, making around $14,000 per year. The couple has about $25,000 in equity on their current home and $30,000 in savings. They came to your office seeking a pre-approval for a new mortgage.
Create an initial 10- to 12-slide presentation for your credit committee describing the couple's creditworthiness and your recommendation for pre-approval/denial. If you do pre-approve, include the maximum amount you would recommend.
|
|
720+ |
690–720 |
650–690 |
600–650 |
Below 600 |
|
30 Year Loan |
4% |
+.25% |
+1% |
+1% |
+2% |
|
15 Year Loan |
3% |
+.15% |
+.75% |
+.75% |
+1% |
|
5/1 ARM |
3.25% |
same |
+.5% |
N/A |
N/A |
|
1/1 ARM |
2.75% |
same |
+.5% |
N/A |
N/A |
Additionally, create 3–5 slides outlining a new credit card you would like to offer to John and Jane Doe. Include your rationale and the limit you are suggesting.
Dan and Roseanne Smith
Dan is a 50-year-old policeman who is also retired from the Marines. Between his pension, police salary, and overtime, he makes $120,000 a year. Roseanne is a 45-year-old homemaker. Dan and Roseanne would like to trade in their car, which is financed at Navy Federal, and purchase a new car financed with you at VyStar. The home they own currently is worth around $280,000, and they have around $10,000 in a savings account.
Create a 7- to 10-slide presentation in PowerPoint to present to other members of your credit committee regarding the Smiths. Include pertinent ratios, credit history, and the size of the loan you would approve them for. Use the following table as an interest rate guide when calculating your payments.
|
|
720+ |
690–720 |
650–690 |
600–650 |
Below 600 |
|
5 Year Loan |
7% |
+1% |
+2% |
+3% |
+6% |
|
4 Year Loan |
6% |
+1% |
+2% |
+3% |
+6% |
|
3 Year Loan |
5% |
same |
+2% |
+3% |
+5% |
|
2 Year Loan |
4% |
same |
+2% |
+3% |
+5% |
Next, using Dan and Roseanne Smith’s information, add an additional 4–6 slides on any other products you would offer to them and explain why.
Submission
This assignment requires a file upload submission (Links to an external site.) . After you have reviewed the assignment instructions and rubric, as applicable, complete your submission by selecting the Submit Assignment button next to the assignment title.
Grading
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