Imagine that the head of credit at a major investment bank was actually the head chef in a leading restaurant.
What are his responsibilities? In effect, they are to provide a product that attracts customers to his restaurant. How does he achieve this? He uses his skills to create a menu that will attract those customers, and then keep them coming. He employs a team that can realise the dishes he creates day in, day out, and keep the quality of the product his kitchen puts out as high a