D. The company has an internal auditor who reports directly to the CFO and makes an annual report to the audit committee. E. The CEO is a dominating personality - not unusual in this environment. He has been on the job for six months and has decreed that he is streamlining the organization to reduce costs and centralize authority (most of it in him). F. The company has a loan committee. It meets quarterly to approve, on an ex-post basis, all loans over P300 million (top 5% for this institution)