Risk Categories. Under the Underwriting Guidelines, various risk categories are used to grade the likelihood that the mortgagor will satisfy the repayment conditions of the mortgage loan. These risk categories establish the maximum permitted loan- to-value ratio and loan amount, given the occupancy status of the mortgaged property and the mortgagor's credit history and debt ratio. In general, higher credit risk mortgage loans are graded in categories which permit higher debt ratios and more (or more recent) major derogatory credit items such as outstanding judgments or prior bankruptcies; however, the Underwriting Guidelines establish lower maximum loan-to-value ratios and lower maximum loan amounts for loans graded in such categories. The Underwriting Guidelines have the following categories and criteria for grading the potential likelihood that an applicant will satisfy the repayment obligations of a mortgage loan: CREDIT GRADE: "AAA". Under the "AAA" credit grade, the applicant generally must have a minimum FICO score of 620 and no late payments within the last 12 months are permitted on any existing mortgage loan. No bankruptcy, discharge, or notice of default filings may have occurred during the preceding thirty-six months. Generally, the debt service-to-income ratios must be equal to or less than 50% (unless the applicant has a gross monthly disposable <PAGE> income of $3,000 or more, in which case the debt service-to-income ratio is 55%). Subject to all other credit grade criteria, a maximum loan-to-value ratio of 90% is permitted on any purchase money and/or refinance transaction. generally must have (1) a minimum FICO score of 620 and a maximum of three 30-day late payments within the last 12 months on an existing mortgage loan or
Risk Categories. 6.1 All reports of missing people sit within a continuum of risk from No Apparent Risk (Absent) through to High Risk. High Risk - The risk of serious harm to the misper (missing person) or the public is assessed as very likely. Medium Risk - The risk of harm to the misper or the public is assessed as likely but not serious. Low Risk - The risk of harm to the misper or the public is assessed as possible but minimal. No Apparent Risk (Absent) - There is no apparent risk of harm to either the misper or the public (NOT TO BE USED FOR UNDER 18s)
Risk Categories. 6.1 All reports of missing people sit within a continuum of risk from No Apparent Risk (Absent) through to High Risk. High Risk - The risk of serious harm to the misper (missing person) or the public is assessed as very likely. Medium Risk - The risk of harm to the misper or the public is assessed as likely but not serious. Low Risk - The risk of harm to the misper or the public is assessed as possible but minimal. No Apparent Risk (Absent) - There is no apparent risk of harm to either the misper or the public
7.1 Within Staffordshire Police, the Detective Inspector, within safeguarding, is the designated lead officer with primary strategic responsibility for children missing from care and home.
7.2 Staffordshire County Council has designated the Strategic Lead for Looked After Children Services as their lead officer with primary strategic responsibility for children missing from care and home.
7.3 Stoke-on-Trent City Council has designated the Strategic Manager Safeguarding/Quality Assurance, who has primary strategic responsibility for children missing from care and home.
Risk Categories. (i) Financial Risk
