Institutional Credit Management's ("ICM") objective is to provide an integrated "end-to-end" credit underwriting, identification, measurement, management, monitoring and reporting for wholesale credit businesses across the enterprise. Wholesale Credit Risk ("WCR") In-Business Quality Assurance (QA) is an integral part of the ICM organization. WCR In-Business QA verifies that established standards and processes are followed and consistently applied. WCR and ICM Management utilize the results of the quality assurance reviews (QARs) to assess the quality of the group's policies, procedures, programs, and practices as relates to the management of wholesale credit risk. The results help management identify risks associated with operational and control weaknesses, trainin