Except as provided in subsection (b) of this section, and in § 6-328 (7) and (8) of this title, a loan may not be made to any member of a credit union unless it is approved unanimously by those members of the credit committee who are present at a meeting that is attended by a majority of the members of the credit committee. If the bylaws of the credit union so provide, an applicant for a loan that is not approved by the credit committee may appeal to the board of directors. The credit committee or the president may appoint loan officers. The appointment of loan officers by the president shall be subject to confirmation by the credit committee. The credit committee shall supervise loan officers and delegate to them the power to approve or disapprove loans in accordance with written instructions or policies adopted by the board. Not more than one loan officer may be a member of the credit committee. A loan made by a loan officer in accordance with the written instructions or policies of the board does not have to be approved by the credit committee. Each loan officer shall give the credit committee the record of each loan that the officer approves or disapproves within 7 days after a loan application is made. The credit committee shall act on each loan application where the decision of the loan officer has been appealed by the credit union member. A loan officer may not disburse credit union funds for any loan that the loan officer approved. The credit committee shall meet as often as necessary.