@OP, the suggestion seems promising as it discourage the loan spam request observe from mostly newbie accounts with first post on the lending board.
Right? Besides, something I'd like to add to that, is that I've always though of the lending board to be something that's targeted especially at the Bitcointalk community.
I mean, Bitcointalk is not trying to become a general loan platform, there are enough other and better options for that.
Makes sense to have the lending board there for trusted members, but not just anyone who's just signed up to try and get a "quick and easy" loan