Clear, written loan underwriting standards are important because they: A. convey the bank's risk appetite to lending staff (i.e. what risks are / are not acceptable). B. outline what elevated approvals are required for loans having exceptions to the standards. C. are expected by the Fed, OCC and other regulators. D. A and C only E. A, B and C all those with a regulatory classification ("modifier") of all except: A. Special Mention B. Substandard C. Doubtful D. Loss E. All would be considered Classified loans