呢個都係好問題，誠邀各bank界才俊指點，有錯就隨便媽我😂

Loan / Mortgage就好straight forward啦，都係借錢俾客啦。Loan就好多款嘅，例如對retail客嘅有personal instalment loan / personal tax loan、對Corp客有Commercial lending；Mortgage就係按揭，主要都係買樓用，又或者抵押層樓做貸款，總括嚟講就係幫銀行跑數搵大錢。

Source: CFI

Credit就係support上面呢個部門喺權衡client's capacity、credit records同risks之後去睇吓最終批唔批、批幾多同收幾多息俾個borrower。

相信應該都清楚易明🤔