chigagcincht team senior manager, gathered the materi: her team would need to complete the quarterly review and requested from Kmetko the ALLL memorandum an all the supporting material relating to it. Watkins knew that for banks the ALLL was an important accountin estimate and she planned to spend sufficient time revicwin Kendallville's ALLL. Kmetko sent Watkins the memo, bu told her to ask Davis for the supporting material. Davi