Loan pre-check with nested IF and AND, despite a text credit score

An applicant's details are in B2:B7 (labels in column A). In B9, write a formula that returns one of three words. First, the applicant must pass ALL of these basic checks: age between 21 and 60 inclusive, at least 2 years in the current job, and total EMI (existing EMI plus requested EMI) no more than 40% of monthly income. If any basic check fails, return Decline. If all pass, look at the credit score: 700 or more returns Approve, 650 to 699 returns Refer, and below 650 returns Decline. Careful: this data came from a portal export, so not every value is a true number. Use IF and AND.