In the following decision situations, which functionary$/$department in the company would be an appropriate decision$-$maker? You need not actually suggest what the decision should be in each situation.

$3.$ Advanced Medical Technology Corp, a Japan$-$based company is one of the largest manufacturers of advanced ceramic products. It must decide whether to lend $$8$ million to a rapidly growing, high technology company. The company has had a series of relationshipswith three other banks. Reports from loan officers at these banks are mixed and raise questions as to the ease with which a relationship would proceed. The full range of issues must be considered in evaluating the credit worthiness $($character$,$ collateral, capacity, conditions, pricing$).$ The decision$-$maker must also determine how much weight to place on a comfort letter from a major pharmaceutical firm.