Ford Credit Bank (the "Bank"), a de novo Utah industrial bank headquartered in Salt Lake City, Utah, will create innovative and simplified banking solutions to help customers across the country finance the purchase of new Ford vehicles, parts, accessories, and software and earn competitive rates on FDIC-insured savings accounts and certificates of deposit. Provide independent oversight and reporting to Senior Management and the Credit Committee on key credit risks, credit risk trends, and credit risk mitigation, including regular reporting at the transaction, product segment, product, and portfolio levels on policy exception volumes, performance, credit concentrations and other analysis.