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عمومی::
مامور اعتباری
Credit officers at banks established long-standing relationships with their borrowers and based their lending decisions mainly on soft information.
Subjective factors such as honesty, competency, or trustworthiness were critical in the credit officers' lending decisions.
It is difficult to objectively describe the perceived feeling of a credit officer about the trustworthiness of a borrower.
In the 1960s, when credit cards became widespread, credit officers at banks started to use credit scoring.
Credit scoring has proven superior to the relationship-based methods of credit officers. 13 Over time, credit scoring has been applied to all sorts of consumer credit markets, such as car financing or mortgage lending.
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