[tag=NN] [□ | □ | □]
[tag=NN] [□=□ | □ | □]
[tag=NN] [□ | □ | □ | □]
These independent credit professionals can be most valuable if they have the authority to reject a loan that does not meet the institution 's credit standards , or alternatively , if they must concur with a loan before it can be approved . Paternalistic physicians , so it was believed , were practicing an overbearing medicine , and , with the new armamentarium of treatment techniques available to doctors , " overtreatment " seemed to be the decisive problem . Classification ratings are defined as " Substandard , " " Doubtful , " and " Loss . Many women , particularly young women , think that technology careers are geeky , anti-social and even boring . " Rancho High School aerospace academy students snickered when they found out Lego building blocks would play a major role in a summer learning program at UNLV . Classification ratings are defined as “ Substandard , ” “ Doubtful , ” and “ Loss . We believe that these institutions will benefit from this analysis of current credit standards , identification of areas for heightened supervisory attention , and guidance regarding sound credit underwriting practices . A careful review of asset quality , credit standards , and lending practices has long been a major focal point of on-site supervisory examinations conducted by the Federal Reserve . Excerpt from SR Letter 79-556 defining regulatory classifications : Classification ratings are defined as " Substandard , " " Doubtful , " and " Loss .