The CREDIT & INVESTMENT COMMITTEE 

The Credit and Investment Committee's principal areas of responsibility and accountability are ratification and approval of credit proposals, delinquency management, and loan loss provisioning.
This committee

• Reviews and approves credit proposals submitted by the Credit & Corporate Finance Department, including any loans or advances,
   

• Establishes and monitors portfolio limits and credit concentration
   

• Evaluates credit proposals from management and makes determination of outcome
   

• Establishes approval limits for counter-party risks in credit and advance transactions