What areas of improvement can you suggest for the future?

Description
Write a final decision report to the company regarding the request. Your report must contain answer to the questions below.
1. Would you, as the loan officer, grant the loan request? You need to specify the reasons and explain in detail. Calculate necessary ratios to support your decision. (50 points)
2. What areas of improvement can you suggest for the future? Please, be detail. (40 points)
APA format required. (10 points)

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