помогите плиз правильно построить предложение gen.

[sir william]

помогите плиз правильно построить предложение

Однако, вне зависимости от уровня практического опыта и возраста, за качество кредитной заявки в конечном итоге всегда отвечает кредитор.

However it is a creditor that is to bear responsibility for qualitative credit application on the whole regardless of experience and age

или
However regardless of experience and age it is a creditor that is to bear responsibility for qualitative credit application on the whole

[adelaida]

Как вариант:

However, the ultimate responsibility for credit request adequacy shall be always born by a creditor, irrespective of his/her experience and age.

[toast2]

http://www.multitran.ru/c/M.exe?a=4&MessNum=294180&l1=1&l2=2