What are some warning signs to management that a problem loan may be developing? A. all of the answers B. evidence of re-evaluations of assets C. delays in receiving financial reports D. reduced communication between borrower and lender 12:34 In the account relationship banking, officer-in-charge of the borrowers' accounts will ensure that their present and future financial needs are addressed through visits and the annual review of their financial accounts. In creating this customer value, bank hope the relationship can achieve all the following EXCEPT A. maximize return B. minimize lending risk C. gain in bank reputation D. strengthen the business relationship 12:35 The following steps in correct sequence taken by bank officer in selling a product is To visit and collect data and information of the 1. borrower II. To look for a prospect to sell the product III. To structure the loan to meet customer need IV. To write a credit memo to manager for approval V. To analyse the data and identify risks A. I, III, IV, II, V B. I, V, IV, II, III C. No answer D. II, I, V, III, IV 12:36 Below are the factors that bank should consider prior to arriving at a loan recovery strategy EXCEPT A. How good is the security in terms of value and stability and how long it takes to realise cash from the liquidation B. At what stage has the loan deteriorated to C. Social and political sensitivities D. All of the answers 12:38