Total quality management (TQM), an integrated organizational endeavor to improve quality at every level, excludes customer segmentation.
<h3>What is meant by organization?</h3>
An organization is a collection of individuals who cooperate, such as a firm, neighborhood association, charity, or union. Any individual, group of people, business, or activity that is being developed or created can all be referred to as an "organization."
<h3>What makes organization crucial?</h3>
The opposite is also true: being organized may improve your health and make you happier and more at ease .Being unorganized might cause chaos in your life. It could lead to despondency and increased stress. Disorganization may be a fire risk, as well as a source of mold growth and dust accumulation.
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Answer:
Please see answers below.
Explanation:
A. Three important Items to double check before submitting a loan application to underwriting.
• Completeness of data : One has to be sure that all important details are captured hence none is left out. It means that there are no missing information on the application.
• Calculations performed accurately: This means that calculations such as borrower's income, qualifying ratios are calculated accurately and also double checked for the purpose of the loan underwriting.
• Documentations required by the loan programme. All Documentations required by the loan programme must be double checked before submitting a loan application to underwriting.
B. List at least two things you would be sure to tell a borrower in preparation for closing
• I will seek clarity in terms of the money borrower would be bringing to the closing table.
• The date,time,venue of closing are essential for the closing hence will be communicated to the borrower. Also, there are no right or wrong answers that may be asked or given by the borrower during the closing.
C. List at least three calculations that are typically used during the course of mortgage loan transaction.
• Income calculation
• Front end and back end ratio (DTI ratio)
• Monthly payment.
Answer:
The given statement is FALSE.
Explanation:
It will only be till sustainable growth rate that the firm will not require external financing. The debt /ratio demands resources to sustain the operation, which are not powered by the profit margin.
Answer: 6.91%
Explanation:
Expected return = Sum of (Probability of state of economy * Return given state of economy)
= (56% * 8%) + (12% * 25%) + (19% * -3%)
= 4.48% + 3% - 0.57%
= 6.91%
