HND个人及商业信贷.doc

SAMPLE INSTRUMENT OF ASSESSMENT CASE STUDY This Case Study should be provided to candidates 7-10 days prior to the assessment date. A copy of the Case Study should be provided to each candidate on the date of the assessment along with the questions. All questions must be answered. You are the manager of the West End branch of the Bell Bank plc. Your branch has been asked to train Michael Samuels, a new Graduate Management Trainee. Michael has a degree in Architecture from Glasgow University but has decided that a career in financial services would be more challenging. Michael has now been with you for two weeks and has shown a keen willingness to learn. You have encouraged this willingness to learn by allowing him to sit in during some of your interviews with your customers. You have suggested that Michael take notes during each interview and then use these notes to ask you questions relating to each of the interviews. Michael has sat through four interviews. Some of the material facts relating to each interview are provided below. Interview 1 John and Mary McCusker have been customers of your branch for 18 years. You have got to know the McCuskers quite well during your three-year stay at the West End branch. John earns ￡ 35,000 per year from his job asa Quantity Surveyor and Mary earns ￡ 21,000 per year from her job asa Nurse. The McCuskers have three children aged 14,12 and 10. The two youngest children have always shared a bedroom but the McCuskers now feel the time is right to move toa larger house to give all three children their own bedroom. You had agreed at an earlier interview to provide a capital and interest mortgage facility for ￡ 120,000 over 20 years, and the McCuskers have since purchased a new four-bedroomed house in Hamilton for ￡ 175,000. Their existing home in Lanark has been sold for ￡ 120,000 and the McCuskers have ￡ 40,000 outstanding on their current mortgage loan. The McCuskers have now identified a problem in that they have arranged to move