I've had an issue where the loan officer did not collect all the pertinent information on the proposed collateral to a loan request at the initial meeting. This was an issue later when I had to go to him for the detail, which he didn't have. If you have a borrower that you've denied, there's no way the borrower is going to help you after being declined. So, I would emphasize the importance of ensuring ALL RE information is collected UP FRONT: location, units, subsidized, square footage of commercial vs residential mixed-use, etc.
Expect the worst, hope for the best and you'll never be disappointed.