Which attributes of a loan application do you think might predict which loans will go delinquent...

Which attributes of a loan application do you think might predict which loans will go delinquent and which will ultimately be fully repaid? How could we test that?

Now consider declined loans application data: Amount requested, application date, loan title, risk score, debt-to-income ratio, and employment length.

What three items do you believe would be most useful in predicting loan acceptance or rejection?
What additional data do you think could be solicited either internally or externally that would help you predict loan acceptance or rejection?
If you were in a position to accept or deny a loan application, how might you look differently at this data? Would you be more lenient or stringent?

Expert Solution

Refer to the below image for the above mentioned questions, in a detailed way of explanation.

ekkarill92 answered 1 year ago

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Which attributes of a loan application do you think might predict which loans will go delinquent...

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