Work top to bottom on a single file. Sections A through D are verification — confirming that the package in front of you describes the property you financed — and Section E is where your judgment operates. Two people at your institution should be able to complete A through E on a routine file without counsel. Section F names the one provision that is not available to negotiate, and Section G lists ten conditions that take a file out of routine handling. The framing throughout is practical rather than defensive: condition well and you protect the institution; refuse reflexively and you protect nothing, because the borrower’s project does not stop, it moves. Includes a reviewer record block for the file.
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