ABSTRACT
John Doe is a loan o™cer at the City Bank. He began working at the bank a‰er getting an associate degree in œnance in 2001. e position at the bank was his œrst full-time job. In 2005, he was promoted to the position of loan o™cer. As loan o™cer, he was responsible for issuing loans and determining when they were no longer collectible. An anonymous call is received that John Doe’s spending and lifestyle have increased dramatically in the past 3 years, and he is still at the same job.
