Every loan that lands on my desk, I run straight to the guidelines and follow them to the letter. There is a file in front of me right now where the numbers technically pass, but something feels off, and I cannot bring myself to trust that feeling. I would rather hide behind the rulebook than put my own name on a call and be wrong.
More people experience this than they realize.
You cling to the rules because trusting your own judgment feels too risky.
If this sounds familiar, the Library can help you find the bigger picture.