Abstract
The Impact of Emotional Intelligence on Loan Officers’ Intermediate Judgments
Highlights
The current study follows up on a study by [1] on the potential moderating effect of loan officers’ emotional intelligence (EI) on the judgments and decisions they make subsequent to their analysis of accounting contingencies within the context of a loan decision
The authors’ use of EI as a moderating variable in the relationship between the method of disclosing contingencies and overall risk rating (ORR) or overall trend rating (OTR) judgments, and between these judgments and loan granting or interest rate decisions, did not establish that loan officers’ EI has a significant moderating effect on these relationships. This may be because institutional oversight and directives are sufficiently clear and accurate, providing guidance and Manuscript received November 20, 2018; revised January 18, 2019
Based on [1], casting EI as a moderating variable in the relationship between the method of disclosing contingencies and main judgments, and between these judgments and loan granting or interest rate decisions, did not establish that loan officers’ EI has a significant moderating effect on these relationships. This may be because institutional oversight and directives are sufficiently clear and accurate and that they provide guidance and minimize loan officers’ personal differences in terms of EI
Summary
The current study follows up on a study by [1] on the potential moderating effect of loan officers’ EI on the judgments and decisions they make subsequent to their analysis of accounting contingencies within the context of a loan decision. The authors’ use of EI as a moderating variable in the relationship between the method of disclosing contingencies and ORR or OTR judgments, and between these judgments and loan granting or interest rate decisions, did not establish that loan officers’ EI has a significant moderating effect on these relationships. This may be because institutional oversight and directives are sufficiently clear and accurate, providing guidance and Manuscript received November 20, 2018; revised January 18, 2019. Loan officers use standardized tools and follow an analysis process guided by their institutions’ standards and credit lending practices, their decisions may be influenced by their individuality and biases [6]
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