41. What is the purpose of loan securitization in lending operations?
a) To determine the loan amount
b) To set the interest rate on the loan
c) To evaluate the borrower’s creditworthiness
d) To transfer the loan risk to other investors
Answer: d) To transfer the loan risk to other investors
42. Which of the following is a type of wholesale lending operation?
a) Personal loans
b) Mortgage loans
c) Auto loans
d) Commercial real estate loans
Answer: d) Commercial real estate loans
