My bank's credit decisions are judgmental. The county we operate in plans to have a huge layoff of staff. We have a loan applicant that works for the County, in a 3-person office. 2 of the 3 individuals that work in the office will be dismissed. The loan applicant is not sure if she will or will not have a job. My question is can the Bank factor in the uncertainty of the applicant's future employment when determining whether they have the capacity to handle the credit obligation?