Credit officer without ethics, as the lack of mental responsibility, intentionally violating the law will affect credit quality. Professional qualification is also crucial to the success of the work of credit. Officials credit good for professional, skilled, experienced accurately assess the feasibility of the project, determine the authenticity of the financial statements, findings acts deliberately cheated Island of customers (such as fixing the financial statements, set up fake mortgage documents, using a collateral to borrow in many places ...) which is the ability to analyze and manage real power of customers to decide whether to lend or not.
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