Module 05 Project – Bank Lending Practices cont CitiBank Cont off Part 1 – 4 For this phase of the course project, you will conduct additional research for the bank you chose as the subject of your project. Write the next section of your risk management plan in which you discuss individual versus commercial lending practices, risk measurement techniques, and benefits of transfer credit risk. In this paper, please address the following questions: How would you describe the individual and commercial lending practices at the bank?How would you measure credit risk at the bank? Be sure to discuss techniques for measuring individual credit products and commercial credit products.How would the bank benefit from transfer of credit risk?What changes would you recommend in the bank’s lending practices? Requirements APA format, Two spaces after period 4 page min Because this is part of a project, this section of the paper does not need an introduction. Because your paper is required to be more than one page in length, you should use subject headings to label your paper as appropriate. Keep in mind that this is a research paper; and, as such, should be informed by your research articles. Be sure to include APA citations to support your assertions and to inform your paper. You will need to include a reference page with this section of the paper. Be sure to proofread your paper to ensure that is free from all grammar and spelling errors. Submit your completed assignment to the drop box below. Please check the Course Calendar for specific due dates. Module 05 Course Project – Bank Lending Practices Scoring Rubric: Criteria Weight Described the individual and commercial lending practices at the bank-15 pts. each 30 Discussed way to measure credit risk at the bank, including individual and commercial credit; 5 for credit risk, 5 for individual, 5 for commercial 15 Discussed how the bank would benefit from transfer of credit risk- 15 Recommended changes to the bank’s lending practices- 10 pts for each 30 The assignment met the minimum page length of 3 pages, demonstrated the use of library resources, and demonstrated proper APA mechanics 10 Total 100