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Found 5 essays matching the above criteria.

1. 1. A Mixed-Method Case Study of Swedish Loan Officers' Mortgage Credit Decisions

   University essay from Uppsala universitet/Företagsekonomiska institutionen

   Author : Leonard Ekberg; [2022]
   Keywords : Loan Officers; Judgment; Mortgage Credit Decisions; Inconsistency;

   Abstract : This thesis purpose was to examine to what extent and why loan officers’ judgment influence mortgage credit decisions. A mixed method was used to collect primary data from loan officers’ at a Swedish commercial bank. READ MORE

3. 2. Expect the Unexpected: Measuring Noise & Bias in the Credit Assessment Process

   University essay from Lunds universitet/Företagsekonomiska institutionen

   Author : Jacob Skoglund; Leonard Ekberg; Pontus Govenius; [2022]
   Keywords : mortgage; credit assessment; loan officer; decision-making; bias; noise; kreditgivningsprocess; kredithandläggare; beslutsfattande; Business and Economics;

   Abstract : The purpose of the thesis is to measure how bias impacts loan officers’ decision-making upon assessing mortgage applications and the level of noise embedded within the process. Quantitative data were collected from 15 loan officers working at three different branches at Handelsbanken answering a questionnaire based on fictional mortgage applications. READ MORE

4. 3. Commercial Loan Officers and the Audit Expectation Gap

   University essay from Företagsekonomiska institutionen

   Author : Pierre Madsen; [2013]
   Keywords : audit expectation gap; audit education; commercial loan officers; role of the auditor; international standard on auditing;

   Abstract : The audit expectation gap, generally known as the differences between what users of financialstatements expect from the auditor and what the auditor actually provides, is present andresulting to a widespread concern. This thesis aims to investigate the level and nature of the audit expectation gap betweenauditors and commercial loan officers. READ MORE

5. 4. The role of relationships in lending to farmers : a study from the loan officer’s perspective

   University essay from SLU/Dept. of Economics

   Author : Sofia Eriksson ; Tina Olsson; Rebecca Servin; [2012]
   Keywords : Asymmetric information; communication; credit evaluation; farm business; information; relationships; trust;

   Abstract : There have been significant changes in the agricultural sector during the past 20 years (Jordbruksverket, 2008). The development of today is towards deregulation and adaption to global market conditions. As farmers try to adapt to the changed and more competitive market conditions investments are often necessary (LRF Konsult et al, 2012). READ MORE

6. 5. Awareness of the new capital requirements in the light of the European Sovereign Debt Crisis : A study focused on the loan officers, managers and board members working in Scandinavian banks

   University essay from Företagsekonomiska institutionen

   Author : Camilla Jernbeck; [2012]
   Keywords : Financial crisis; Basel accords; banking regulations; Legal Self-efficacy; Accounting self-efficacy; knowledge; awareness;

   Abstract : This paper surveys the insider opinions and awareness’s of swedish bank loan officers, managers and board members on their view of the new capital requirements in light of the European Sovereign Debt Crisis, less than optimal rules and the opaqueness of state issued sovereigns. The paper will try to find the rationale in the reasoning of bank insiders and discuss their views in relation to current research. READ MORE