Sarah is a credit officer at ABC Bank and is trying to get a $135M loan approved for an R3 internally rated company. ABC Bank has the below approval hierarchy.

Exposure in USD

| Internal Rating of Counterparty | R1 | R2 | R3 | R4 | R5 | R6 |

|-------------------------------|------|------|------|------|------|------|

| | 135 | 110 | 85 | 60 | 35 | 10 |

| | 160 | 135 | 110 | 85 | 60 | 35 |

| | 185 | 160 | 135 | 110 | 85 | 60 |

| Heading of Trading | | | | | | |

| Head of Risk | | | | | | |

| Credit Committee | | | | | | |

Who will need to approve this loan?