Selecting Credit Origination and Credit Risk Management, based on my compliance experience at GCB Bank, where segregation per BoG Corporate Governance Directive 2018 reduces risks like those in collapsed banks (e.g., UT Bank).

Credit Origination Department:

1. Prospect Identification and Marketing: Sources potential borrowers via relationship managers, assessing fit with bank policy (e.g., sector limits under BoG CRD).
2. Proposal Evaluation: Analyzes applications using CAMPARI, financials, and projections for feasibility.
3. Structuring Facilities: Designs terms (e.g., tenure, rates at 22% base + margin) to match needs/risks.
4. Documentation Preparation: Drafts offer letters, ensures compliance with Act 930.
5. Approval Recommendation: Presents to credit committee, incorporating stress tests per Basel III adaptations.

Credit Risk Management Department:

1. Risk Assessment and Rating: Assigns internal ratings, monitors portfolio risks (e.g., NPLs post-DDEP).
2. Policy Development: Formulates credit policies aligned with BoG directives (e.g., Liquidity Guidelines).
3. Monitoring and Reporting: Tracks exposures, reports to board per 2018 Governance Directive.
4. Stress Testing and Modeling: Conducts scenarios (e.g., forex shocks) for capital adequacy.
5. Recovery and Provisioning: Manages impaired loans, provisions per IFRS 9/BoG rules.

This segregation ensures checks/balances, preventing governance failures.