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XXXXXXXXXXwords and references) One of your newer clients is the Senior Lending Officer of a local bank. He is new to his position and does not have a lot of experience in risk management. You plan to...

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XXXXXXXXXXwords and references)

One of your newer clients is the Senior Lending Officer of a local bank. He is new to his position and does not have a lot of experience in risk management. You plan to meet with him over lunch to bring him up to speed on what he has to know about risk, particularly in the case of a bank.

Discuss the following specific points:

•Give an example of measuring the transaction risk of an international business transaction.

•Among transaction, enterprise, and systemic risk, which does the Lending Officer have the most control over/least control over.

•What exactly can the Lending Officer do to mitigate the risks of systemic risk and enterprise risk?

XXXXXXXXXXwords and references)

As a recently promoted manager, you are learning about the importance of basing important decisions on good assumptions; you thought you would practice by thinking through some major decisions that have been made and what the assumptions that the decisions were based upon must have been.

Research and find two situations in which decisions were made. For each situation, describe the likely assumptions that were made prior to each decision. Do you feel the decision was a good one? Why or why not?

Answered Same Day Dec 23, 2021

Solution

Robert answered on Dec 23 2021
118 Votes
Part – 1
Risk can be defined as the uncertainty in the expected results caused by various factors.
Risk in the business world is divided in two major categories which are known as systematic
isk and entity risk (unsystematic risk). Both systematic risk and entity risk coexist for every
usiness organization, systematic risk is the risk which is common for all organizations working
in a particular industry for example all the companies operating in lending and bo
owing of
money will be affected by various common factors such as policy and rates decided by federal
ank, inflation rate etc. whereas entity risk is the risks faced by a particular entity for example,
strikes are more common in automobile manufacturing companies or mines where HR policies
are not worker friendly.
Systematic risk usually arises from macro economic factors which affect the whole
usiness world in some way or other whereas entity risk is the risk which only affects a single or
group of few organizations. No one can hedge systematic risk as these risks are common for
every business organization but entity risk can easily be hedged using various risk...
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