U.S. Floorplan Risk Management
U.S. Retail Originations and Servicing Strategy
Purchasing Guidelines and Control Processes
Ford Credit establishes purchasing standards and procedures to support consistent credit and purchase
decisions
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Portfolio Level – Purchasing guidelines set portfolio targets for lower and marginal quality contracts and to
manage the overall quality of the portfolio.
Credit Application Level - Risk factor guidelines provide a framework for credit application evaluation
criteria for specific attributes, including affordability measures such as payment-to-income and debt-to-
income ratios, FICO score and contract term
>> For less creditworthy applicants, or if there is a discrepancy in the information provided by
the applicant, the credit analyst may verify the identity, employment, income, residency and
other applicant information using Ford Credit's procedures before making a decision
Ford Credit reviews credit analysts' decisions regularly to ensure they are consistent with origination standards
and credit approval authority
Ford Credit analyzes risk management portfolio performance quarterly
Effective Guidelines And Processes Enable Predictable Portfolio Performance
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