under promise - over deliver, page-4

pure speculation only but banks "stress test" the robustness of a clients cash flow irrespective of them having a mandate or agreeing terms.

generally they take a clients operating and CAPEX costs and test the assumptions that underly what the client puts in a credit application for CAPEX and OPEX.

Eg they will test (via their own experts) what happens to the project economics and or reserves if the geotechnical/mining engineers have made any errors in the design of the mine (cant recall if RES is longwall or pit),
if the mine schedule makes economic sense when you factor in relevant strip ratios and grade of coal etc etc

this is what the "credit department" do in an investment bank re: mining finance.