At a local bank, loan officers must evaluate loan applications before approaching or denying them. During this evaluation process, many factors regarding the loan request and the applicant's background are considered. If the loan is for less than RM2,000, the loan officer checks the applicant's credit report. If the credit report is rated good or excellent, the loan officer approves the loan. If the credit report is rated fair, the officer checks to see if the applicant has an account at the bank. If the applicant holds an account, the application is approved; otherwise, the application is denied.
Loan applications for amounts between RM2,000 and RM200,000 are divided into four categories: car, mortgage, education and other. For car, mortgage and other loan requests, the applicant's credit report is reviewed and an employment check is made to verify the applicant's reported salary income. If the credit report rating is poor, the loan is denied. If the credit report rating is fair, good, or excellent and the salary income is verified, the loan is approved. If the salary income is not verifiable, the applicant is contacted and additional information is requested. In this case, the loan application along with the additional information is sent to the vice president for review and a final loan decision. For education loans, the educational institution the applicant will attend is contacted to determine the estimated cost of attendance. This amount is then compared to the amount of the loan requested in the application. If the requested amount exceeds the cost of attendance, the loan is denied. Otherwise, education loan requests for amounts between RM2,000 and RM34,999 are approved if the applicant's credit rating is fair, good or excellent. Education loan applications requesting amounts from RM35,000 to RM200,000 are approved only if the credit rating is good or excellent. All loan applications for amount greater than RM200,000 are sent to the vice president for review and approval
a). Use Structured English to represent the logic
b) Use a Decision Tree to represent the logic:
e)Use a Decision Table to represent the logic
