Every manager has different skills, and specialties of expertise.  It is quite possible that you could be in a situation where you see something that someone else does not see, especially if they are working under you with less education or experience than you.  If a loan officer working under you recommends a loan to a customer, describe (A) when you would authorize that loan, and (B) when you would deny the loan in each of the following cases and give your rationale.

1. You disagree with your subordinate because you do not think restaurants are good investments in general, so you have a bad feeling about this customer’s ability to repay the loan based on your experience with the market rather than any financial facts.
2. You disagree with your subordinate because you think medical operations are high risk for legal problems, so you have a bad feeling about this customer’s ability to repay the loan based on your experience with the law rather than any financial facts.
3. You disagree with your subordinate because you think members of their family are business failures, so you have a bad feeling about this customer’s ability to repay the loan based on your experience with social history rather than any financial facts.
4. You disagree with your subordinate because you just have a bad feeling about this customer’s ability to repay the loan based on your gut instinct rather than any financial facts.

Grading Rubric

The rubric detailing how you will be graded for this assignment can be found below. 

 Self-disclosure

Seeks to understand concepts by examining openly own experiences in the past/present as they relate to the topic, to illustrate points being made. Demonstrates an open, evaluative stance and the ability to self-appraise, discussing both growth and frustrations as they related to learning in class. Risks asking probing questions about self and seeks to answer these.

 Self-disclosure

Seeks to understand concepts by examining openly own experiences in the past/present as they relate to the topic, to illustrate points being made. Demonstrates an open, evaluative stance and the ability to self-appraise, discussing both growth and frustrations as they related to learning in class. Risks asking probing questions about self and seeks to answer these.
30points

Seeks to understand concepts by examining somewhat cautiously own experiences in the past as they relate to the topic. Sometimes defensive or one-sided in theanalysis. Asks some probing questions about self, but do not engage in seeking to answer these.
20points

Little self-disclosure, minimal risk in connecting concepts from class to personal experiences. Self-disclosure tends to be superficial and factual, without self-reflection.
10points

Connection to outside experiences

In-depth synthesis of thoughtfully selected aspects of experiences related to the topic. Makes clear connections between what is learned from outside experiences and the topic.
30points

Goes into some detail explaining some specific ideas or issues from outside experiences related to the topic. Makes general connections between what is learned from outside experiences and the topic.
20points

Identify some general ideas or issues from outside experiences related to the topic
10points

Connection to course readings (videos, presentations, etc.) and discipline specific literature

In-depth synthesis of thoughtfully selected aspects of readings related to the topic. Makes clear connections between what is learned from readings and the topic. Demonstrate further analysis and insight resulting from what has been learned from reading. When appropriate includes multiple references to readings other than those assigned for class.
25points

Goes into more detail explaining some specific ideas or issues from readings related to the topic. Makes general connections between what is learned from readings and the topic. When appropriate includes a reference to readings other than those assigned for class.
15points

Identify some general ideas or issues from readings related to the topic. Shows little connection to assigned or other readings.
5points

Connection to class discussions & course objectives

Synthesize, analyze and evaluate thoughtfully selected aspects of ideas or issues from the class discussion as they relate to this topic.
15points

Synthesize clearly some directly appropriate ideas or issues from the class discussion as they relate to this topic.
10points

Restate some general ideas or issues from the class discussion as they relate to this topic.
5points