What about practice? Do you typically deny borrowers for having $80k in credit card debt?
Do you have similarly situated borrowers where you did make the loan?
If your management has a problem with the large balance on the credit cards, that should be addressed with the customer and denied for that reason if that is the legitimate reason. If you are denying him because he is retiring soon, you have a problem.
Just my humble opinion.
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Maybe you just wanna fly the plane yourself. Well good luck pressing take off, then auto pilot, then land.
CRCM