Do you think that credit risk is the key risk to be mitigated on priority basis by a commercial banker while taking any credit decision?

I would say Transparency Risk is top priority risk in current market scenario and we should be well awared from KYC & AML related policies. 

the2nd risk is to know and be sure it octroyet by this commercial credit will be repaid by the recipient, for that we must have all the necessary documents such as guarantees are based to give it credit