Character, Which Is One of the Traditional "Five Cs" of Credit

question 18

Multiple Choice

Character, which is one of the traditional "five Cs" of credit analysis, refers to the ____.

• A) ability of the applicant to meet its financial obligations (i.e., liquidity and cash flow)
• B) general economic climate and its effect on the applicant's ability to pay
• C) financial strength of the applicant (i.e., net worth)
• D) willingness of the applicant to meet its financial obligations

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Definitions:

Organizational Stories

Narratives shared among members of an organization that embody its values, norms, and culture, often used to guide behavior and decision-making.

Real People

Individuals or actual human beings, as opposed to characters in a story or fictional entities.

Organizational Culture

The values, behaviors, and shared vision that contribute to the social and psychological environment of a business or organization.

Visible Artifacts

Tangible or overt expressions of an organization's culture, such as dress codes, office layout, and rituals.