Question: Suppose you were hired as a consultant by a lending institution's loan department to look at the quality of its controls designed to minimize credit risk. You know this lender is concerned that its principal government supervisory agency is going to take a hard look shortly at how the loan department is managed and the risks in its loan portfolio. Where on the Internet could you look to find some guidelines on how to control and manage credit risk? List two or three suggestions for credit risk control that you found at the Web site or sites you investigated. For example, you may wish to check wvvw.fdic.gov and www.bis.org.