The Following Statement Is Not True of Qualitative Models

The following statement is not true of qualitative models.

A) In the absence of publicly available information on the quality of borrowers, the FI manager has to assemble information from private sources.
B) The FI manager has to consider borrower-specific factors such as idiosyncratic to the individual borrower.
C) Qualitative models use real-time data such as credit scoring models to make decisions.
D) The FI manager should weigh market-specific factors, which have an impact on all borrowers at the time of the credit decision.
E) Qualitative models use subjective judgement from the FI manager.