Suppose Sea Way Bank has significant credit risk exposure to Field Company, an automotive manufacturer. Although Field Company has been a profitable and long-standing customer to Sea Way, the bank now anticipates a downgrade as a result of the cyclical automotive industry and operating problems due to production costs, labor costs, and health-care employee benefits. Many of its contracts from major suppliers have also been delayed or postponed while industry restructuring is undertaken. Field Company approaches Sea Way regarding a new facility to purchase new machinery. Although Sea Way does not want to decline a long-standing relationship, how would you propose that the loan officer propose the credit request?