(*) Timelord2067 would set his to: exclude($memberRank < 3), because that's how he wants it to work (even more restrictive, only wants to see posts from "Members" and above on the lending board).
Someone would have to walk me through how to do that, but the issue DireWolfM14 raises is newbies are total unknowns and as such are more likely to walk off with funds acquired in a loan than a user who has climbed the ranks through posting thoughtful posts that along the way are merited. Lenders facilitating loans can see their posts and get a feel for the application whereas newbies don't have any credibility at all and therefore shouldn't apply for a loan.
Fiat banks don't give loans to children. Street lenders
(*cough* sharks) likewise wouldn't lend to children (not without collateral I would imagine).
Blocking newbies from my view isn't what I'm hoping to achieve in my support of what DireWolfM14 is proposing, it's blocking newbies from being in the lending section totally.