Why is it important to a lending institution that a person present a 2-year job history when applying for a home loan? a. most lending institutions have quotas for giving loans to people with certain careers. b. a job history the lender to get to know the people they are lending money to instead of lending to a complete stranger. c. lending institutions have a high employee turnover rate and are always looking for new employees. d. it is important to present job history when applying for a loan because a bank or lender needs assurance of payment.