What happens when an agent treats an attached document as a satisfied condition?

At Aster Financial, a credit officer approves business loan APP-2187 with three conditions. COND-2187-01 requires a current insurance certificate. COND-2187-02 requires a valuation of the secured property at or above the approved assumption. COND-2187-03 requires signed director consent.

A settlements officer later receives drawdown request DRW-0931. An assistant agent opens the case and finds an insurance certificate, a valuation report and a consent form, all attached. The certificate is current, so COND-2187-01 moves to satisfied. The consent form is unsigned, so COND-2187-03 stays open. The valuation report is dated before the approval and states a value below the assumption in the approval note.

The correct state change is that COND-2187-02 moves to referred_back, with a note naming the shortfall, and DRW-0931 stays on hold. The credit officer must then vary the condition, reduce the limit or decline the drawdown.

The consequence of the wrong behaviour is concrete. If the agent treats attachment as satisfaction, funds are released against security the approver never accepted, and the correction requires reversing a settled payment.

**What it teaches:** a condition is met by evidence that passes its rule, not by a document being present. Tasks should include evidence that is attached but fails on date, threshold or signature, and should score the status of each condition as well as the release decision.