As a bank manager, you are approached by one of your loan officer who brings a loan application to you for advice. The customer has good credit, sufficient income, and the required down payment to buy a house. However, on the loan application, the customer visibly changed his length of present residency from 24 months to 23 months. That small change caused the applicant to miss the loan score required for approval by one point. You know how to adjust the score on the bank's computer. This $750,000 loan, if approved, will put the loan officer and you over your quarterly goals, and entitle you to a paid vacation and a substantial $60,000 bonus. Additionally, your supervisor is counting on your division to achieve its goal, because it also entitles her to significant benefit and compensation.
A) What are some of the main risks in banking that may be at issue if the wrong decision is made with this loan?
B) You are aware that your supervisor is aware that other managers have adjusted loan scores on occasion to reach their goals. Could that affect your decision as to what you will do? Why or why not?
C) What will you do, and why?