What may be conducted as part of the personal credit review process for an applicant?

The personal credit review process for an applicant typically encompasses a comprehensive evaluation that includes both a personal credit review and the examination of relevant records. This process is crucial as it helps assess the applicant's financial reliability, stability, and overall creditworthiness.

By conducting a personal credit review, the reviewing entity can obtain important information such as credit scores, payment history, existing debts, and other financial behaviors that are fundamental in determining the applicant's ability to manage financial responsibilities. The inclusion of a review of records refers to looking at pertinent documents that may support the information obtained from the credit check, which may include bank statements, loan documents, and payment histories.

The other options, while potentially beneficial in evaluating an applicant, do not provide the comprehensive financial assessment that a credit review combined with record evaluation does. Conducting only a background check, an interview, or verifying employment history focuses on specific aspects but does not holistically capture the financial health of the applicant. Thus, the correct choice underscores the importance of a detailed review process in assessing an individual's overall credit profile.