A 15-million-baht working-capital renewal and a 180-million-baht expansion facility are not the same reading job. The smaller file may still need careful arithmetic; the larger file almost always needs more attention to covenants, collateral descriptions, and multi-year cash bridges.
When we draft a findings memo, we sort comments into three bands:
- Critical — items that, left unfixed, would reasonably delay underwriting.
- Moderate — inconsistencies that invite follow-up questions but do not stop filing.
- Strengthen — optional clarity that helps a committee but is not a blocker.
Borrowers sometimes ask for every observation to be labeled critical. That flattens the memo and wastes the presenting team’s rehearsal time. A good memo protects attention: fix the blockers first, then decide what to polish before the meeting.