Credit Execution and Administration การดำเนินงานและการบริหารเครดิต The formal credit decision can be made individually or by committee, depending on a bank’s organizational structure. This structure varies with a bank’s size, number of employees, and type of loans handled. A bank’s Board of Directors normally has the 20 final say on which loans are approved. Typically, each lending officer has independent authority to approve loans up to some fixed dollar