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Flag Sudden Credit Utilization Shifts
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Flag Sudden Credit Utilization Shifts

MediumSQL · PostgreSQL

Problem

Given a large table of loan applications, write a query to flag accounts that show sudden shifts in credit utilization.

Treat consecutive applications for the same account as comparison points. A sudden shift is an absolute change of at least 20 percentage points. Ignore comparisons where either utilization value cannot be calculated.

Output

  1. One row per qualifying account and application date
  2. Columns: account_id, application_date, previous_utilization_pct, utilization_pct, and utilization_change_pct_points
  3. Sort by account_id, then application_date

Schema

loan_applications
ColumnTypeDescription
application_idPKINTUnique loan application identifier
account_idVARCHAR(20)Account associated with the application
application_dateDATEDate the application was recorded
credit_limitNUMERIC(12,2)Credit limit available to the account
outstanding_balanceNUMERIC(12,2)Outstanding balance at application time
Tablesloan_applications
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