Question: 4. Identify and define the factors that enter into the credit decision based on the 5C credit scoring model. Define each factor and explain the

4. Identify and define the factors that enter into the credit decision based on the 5C credit scoring model. Define each factor and explain the impact of each factor on the risk premium? a. Which of these factors is more likely to adversely affect small businesses rather than large businesses in the credit assessment process by lenders? b. How does the existence of a high debt ratio typically affect the risk of the borrower? c. Why is the volatility of the earnings stream of a borrower important to a lender

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