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5 7 10 15 25 Question 7. When a loan officer is examining your income and the amount of your existing debt payments in deciding whether to make a loan to you, which aspect of the five Cs of lending is the loan officer most likely looking at? Character Collateral Capital Capacity Conditions Question 8. When a lender examines your job situation and the security of your employment, it is considering which area of lending? Capacity Character Capital Collateral Conditions