After developing initial loan terms and completing the credit investigation, Schippel again has the opportunity to reject or continue the loan request. Again, this is part of the early screening process that is key to the Commercial Lending Decision Tree. If during the development of initial terms, the character evaluation of Nieson reveals bad debts; or if during the credit investigation, the companys suppliers reveal lawsuits for past-due payments, then Schippel would reject the loan application. If the companys annual revenues are less than $1 million, the bank must send the company a written notice of adverse action.

If the character evaluation and credit investigation are satisfactory, Schippels next step is to conduct a meeting on the premises of Dry Supply, assuming such a call has not already been held there during the business development process.

List three actions Schippel should consider implementing during the meeting on the premises of Dry Supply.