Thomas Spycher
Last Name
Spycher
First name
Thomas
Email
thomas.spycher@unisg.ch
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Item type:Publication, Numeracy and the Quality of On-the-Job Decisions: Evidence from Loan OfficersWe examine how the numeracy level of employees influences the quality of their on-the-job decisions. Based on an administrative dataset of a retail bank we relate the performance of loan officers in a standardized math test to the accuracy of their credit assessments of small business borrowers. We find that loan officers with a high level of numeracy are more accurate in assessing the credit risk of borrowers. The effect is most pronounced during the pre-crisis credit boom period when it is arguably more difficult to pick out risky borrowers.Type:journal articleJournal:Economic InquiryVolume:Volume 58Issue:Issue 2Scopus© Citations 4