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Lab 1-2 Data Analytics in Managerial Accounting Lab

This document contains the lab notes from Angelica Rodriguez on August 31, 2020 for Lab 1-2. The lab examines 3 factors for loan approval: 1) whether the customer's debt-to-income ratio allows them to repay the loan, 2) if they have been late on previous payments, and 3) if any loans have been charged off. For each factor, the document lists potential reasons for loan difficulties and the key data resources to examine.

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Angelica Rodriguez
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416 views1 page

Lab 1-2 Data Analytics in Managerial Accounting Lab

This document contains the lab notes from Angelica Rodriguez on August 31, 2020 for Lab 1-2. The lab examines 3 factors for loan approval: 1) whether the customer's debt-to-income ratio allows them to repay the loan, 2) if they have been late on previous payments, and 3) if any loans have been charged off. For each factor, the document lists potential reasons for loan difficulties and the key data resources to examine.

Uploaded by

Angelica Rodriguez
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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Angelica Rodriguez

Lab 1-2

31 August 2020

Lab 1-2

1. Is the customer Debt-to-income ratio able to pay off the loan?

A: The customer might have switched jobs and their income isn’t able to meet the

requirements to pay the loan off.

Data Resources: id, member_id, purpose, dti, emp_length, loan_amnt, addr_state,

zip_code

2. Have they been late in making payments?

A: Customers might have been laid off or gained more expenses, so they don’t have

enough funds to make the payment when it was due.

Data Resources: pymnt_plan, purpose, loan_amnt, dti, delinq_2y, member_id, id,

addr_state, zip_code

3. Has any of the customers with a loan charged off?

A: The customers became unemployed or laid-off

Data Resources: loan_amnt, purpose, id, member_id, emp_length, delinq_2y,

pymnt_plan, addr_state, issue_d

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