Consumer Lending Analyst Path · Mission 28 of 30Master

Rate-shock stress test on ARM payments (+200bp)

Multi-CTE scenario modeling with the standard amortization formula in raw SQL using POWER

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The Brief

You'll practice

Multi-CTE scenarioPOWER amortizationSensitivity
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All 30 missions in Consumer Lending Analyst Path ↓
  1. 1. Peek at the application book
  2. 2. Loan product taxonomy
  3. 3. Funded originations this quarter
  4. 4. Applications by state
  5. 5. Net new mortgages last 30 days
  6. 6. Approval rate by product
  7. 7. Avg funded amount by loan purpose
  8. 8. HMDA action_taken distribution
  9. 9. 30+ delinquent loan count
  10. 10. Originations by LO (top 10)
  11. 11. Approval rate by FICO band
  12. 12. HMDA denial-reason rollup
  13. 13. DTI bucket pivot for originations
  14. 14. Pricing exception detector (rate vs benchmark)
  15. 15. Late-payment rate by vintage month
  16. 16. Early-Payment Default rate by vintage month
  17. 17. ARM reset wall (next 6 months)
  18. 18. Refi candidate cohort
  19. 19. Delinquency progression: first miss × current status
  20. 20. Approval gap by LMI tract
  21. 21. Delinquency aging bucket pivot by product
  22. 22. Portfolio LTV stratification with seasoning
  23. 23. HMDA LAR row reconstruction
  24. 24. Charge-off rate + principal recovery by vintage year
  25. 25. Cumulative loss curve by vintage × months-to-charge-off
  26. 26. Fair Lending disparity index by FICO band (Black vs White)
  27. 27. ALCO portfolio stratification dashboard
  28. 28. Rate-shock stress test on ARM payments (+200bp)
  29. 29. CECL-style loss reserve decomposition
  30. 30. Lending capstone scorecard (8-KPI single-row panel)