I know, eh?!?!
Obviously none of these people know how things work at those levels. It's like a real pilot or cop listening to some phony wannabe at a party, not even using the correct words.
Besides, as you likely know, the lead and the team (working for the bank) that do these deals get paid on the completion of the deal and the value of it. So these individual employees are incentivized to, let's say,
work with the borrower to get the deal 'bought'. Lots of back room politicking in these banks to get deals bought despite not meeting the bank's own conventional requirements.