Accountability for Credit Quality resides with: a. Lenders and Credit Approval b. The Chief Credit Officer c. The Board of Directors d. Every employee involved in credit. Question 19 0.5 pts The practice of ethics in the bank is evidenced by: a. Honesty, integrity, clarity and a clear understanding of accountability for overseeing the client relationship and the risks of that relationship. b. Raising one's hand when issues become evident and in seeking assistance. c. Knowing your client and providing only those services that meet its financial needs. d. Speaking truthfully and in a timely manner. e. All of the above