Major contributor to significant reduction in high risk commercial unsecured lines of credit since peak in 12/05 (66% fewer dollars committed and 59% fewer loans). Completely revised loan presentation format providing a major improvement in quality and quantity of borrower information. Totally revised and formalized loan approval process to provide clarity and accountability. Revised entire process for engaging appraisals. Heightened bank awareness and use of technology in credit analysis and information retrieval. Instrumental in development of a credit culture.