Date on the backside of application should be written on the back side of application when received Appraisal of borrower must be done within 3 days after the date of receiving application Appraisal types Financial Technical Legal Appraisal of applicant First guarantors of applicant should be contact on cell phone Then credit officer should visit the applicant business and meet guarantors face to face Meeting with management after appraisal of applicants Every applicant should be discussed in the meeting