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For this phase of the course project, you will conduct additional research for the Bank of America. 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?
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.

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