What percentage of a CLP lender's guaranteed loan portfolio must be reviewed annually?

The correct percentage of a CLP lender's guaranteed loan portfolio that must be reviewed annually is indeed 20%. This regulation is aimed at ensuring that lenders maintain a high level of oversight and management of their guaranteed loans. Regular review of the portfolio is important because it helps the lender identify potential risks and issues with individual loans or overall portfolio performance. By focusing on 20% of the guaranteed loan portfolio each year, lenders can systematically review their loans while also ensuring that different segments of their portfolio are assessed over time. This approach not only helps in compliance with regulatory requirements but also supports risk management and the overall health of the lending institution.

The other percentages do not align with the established requirement and would not provide the same level of scrutiny or oversight required by the regulatory framework for CLP lenders.