CREDIT POLICIES & CONTRACT LANGUAGE  review and assess existing policy elements of an effective policy development of a new policy credit overrides review/tailoring of contract credit language
LIMITS, CONTROLS, CONSIDERATIONS physical delivered, forward, sub-limits portfolio and profile caps relative to margins and customer types limits and access by personnel & departments system issues - real time vs. daily/weekly/monthly
	RISK PRACTICES credit value at risk (CVaR) enterprise-wide risk management e-tracking bond spreads/stock price variances   convergence of credit and risk