Your interviewer wants to see whether you can comfortably and confidently break down, in a clear communicative fashion, the factors you'd consider when deciding whether to approve a loan application. Such as the current economic climate, the applicant's credit score, income, debt-to-income ratio, employment history, education, and experience. The purpose of the loan and the applicant's collateral, personal financial statements, tax returns, and other financial information. Spend time preparing for this question and others like it, and recall any factors you would consider making an informed decision about whether to approve a loan application. Preparing for each question in this manner will help you come across as confident and well-versed in every aspect of your field.