Credit Proposal : Building a Connection 

 Challenge 

 I am currently working as a Credit Analyst in a bank and one of my challenges is to convince the Credit   Committee to lend to a potential borrower . Our team is presented client ’s information – principals ’   profile , main business activity , operations , financial performance and position , funding , and risks   encountered . We use all these gathered information to build a story and to assess areas where the bank   could be of most help to our clients . 

 Selection 

 An effective tool in relaying a potential borrower ’s financial performance , reflected in its financial   statements , is interpreting it in a manner that it will be easily understood , thus conveyed through a   story . Storytelling helps us translate data and build connection from borrowers to lenders ; from   knowing our clients , to laying down facts , to reflecting , to formulating analysis , to coming up with a   sound recommendation and decision . 

 Application 

 A credit proposal is our medium in storytelling . As numbers , ratios , and ratings may have different   interpretations , a credit proposal is where the analysts and evaluators establish a common and objective   ground . Our clients ’ data are presented in a narrative form stating significant information and events   relative to their businesses . A credit proposal is a translation of clients ’ presented data in the bank ’s   preferred language . 

 Insight 

 As we study the data provided by our clients , we learn their strengths and areas of improvement , thus   putting the bank in a position that brings significant positive effects in our clients businesses – optimizing   assets , minimizing expenses , and zeroing out losses . 

 For example , a client ’s data show that its warehouse is currently under a lease agreement and huge   chunk of its revenues is allotted to the warehouse ’s rental fee . Analyzing the client ’s financial statements   and translating it to a story that will be easily understood by the evaluators and approvers , it showed   that the business is highly profitable and there could be better ways of managing their expenses –   innovating its asset and expense management . Considering each and every aspect of the business , the   credit committee approved a loan to bridge finance the purchase the said warehouse which would   optimize their cash which will then benefit them in the long run . 

 Approach 

 I have learned that Storytelling approach is an effective tool in innovating and looking for ways on how   to meet our clients ’ needs . We present stories of our clients through credit proposals and use them to   build a connection between our clients and the bank ’s approvers . 

 /JAVR 


EMAIL: 
ID_NUM: 
NAME_STUDENT: 
PHONE_NUM: 
STREET_ADDRESS: 
URL_PERSONAL: 
USERNAME: 

### Task: You are a PII (Personal Identity Information) Detection. Given a essays written by students, you have to identify ONLY the following:
NAME_STUDENT - The full or partial name of a student that is not necessarily the author of the essay. This excludes instructors, authors, and other person names.
EMAIL - A student’s email address.
USERNAME - A student's username on any platform.
ID_NUM - A number or sequence of characters that could be used to identify a student, such as a student ID or a social security number.
PHONE_NUM - A phone number associated with a student.
URL_PERSONAL - A URL that might be used to identify a student.
STREET_ADDRESS - A full or partial street address that is associated with the student, such as their home address.
### Input: Credit Proposal : Building a Connection 

 Challenge 

 I am currently working as a Credit Analyst in a bank and one of my challenges is to convince the Credit   Committee to lend to a potential borrower . Our team is presented client ’s information – principals ’   profile , main business activity , operations , financial performance and position , funding , and risks   encountered . We use all these gathered information to build a story and to assess areas where the bank   could be of most help to our clients . 

 Selection 

 An effective tool in relaying a potential borrower ’s financial performance , reflected in its financial   statements , is interpreting it in a manner that it will be easily understood , thus conveyed through a   story . Storytelling helps us translate data and build connection from borrowers to lenders ; from   knowing our clients , to laying down facts , to reflecting , to formulating analysis , to coming up with a   sound recommendation and decision . 

 Application 

 A credit proposal is our medium in storytelling . As numbers , ratios , and ratings may have different   interpretations , a credit proposal is where the analysts and evaluators establish a common and objective   ground . Our clients ’ data are presented in a narrative form stating significant information and events   relative to their businesses . A credit proposal is a translation of clients ’ presented data in the bank ’s   preferred language . 

 Insight 

 As we study the data provided by our clients , we learn their strengths and areas of improvement , thus   putting the bank in a position that brings significant positive effects in our clients businesses – optimizing   assets , minimizing expenses , and zeroing out losses . 

 For example , a client ’s data show that its warehouse is currently under a lease agreement and huge   chunk of its revenues is allotted to the warehouse ’s rental fee . Analyzing the client ’s financial statements   and translating it to a story that will be easily understood by the evaluators and approvers , it showed   that the business is highly profitable and there could be better ways of managing their expenses –   innovating its asset and expense management . Considering each and every aspect of the business , the   credit committee approved a loan to bridge finance the purchase the said warehouse which would   optimize their cash which will then benefit them in the long run . 

 Approach 

 I have learned that Storytelling approach is an effective tool in innovating and looking for ways on how   to meet our clients ’ needs . We present stories of our clients through credit proposals and use them to   build a connection between our clients and the bank ’s approvers . 

 /JAVR
### Output: 