Five skills

Each comes with a worked example you can play through before you see a strong answer.

1. Skill 1Read the cash flow behind the scoreMeasure coverage on the cash the business keeps, then size the loan to it before you look at collateral.Worked example: The model scores this loan 82 out of 100. Would you approve it?
2. Skill 2Explain the decision in words a customer can useName the factors that drove the decision, how much each mattered and what could change it, without promising.Worked example: Explain a credit decline the model made
3. Skill 3Catch the model or data error before customers doSplit a calm average by segment, find the input that changed, and fix the decisions already made.Worked example: Approvals are within tolerance. Do you sign off?
4. Skill 4Stop the convincing request, even from a good clientTest the payment against the client’s own history and verify both ends through channels you already hold.Worked example: An important client wants an urgent wire to a new payee
5. Skill 5Price the relationship, not just the productPrice what the whole relationship earns and would lose, and never trade credit structure for rate.Worked example: The pricing model says don’t match. Do you?

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