partner_loan.rb

  def audit_required_messages
    messages = []

    if requires_first_loans_audit? && !lender_program_config.exempt_from_first_loans_audit?
      config = lender.try(:lender_config) || DefaultLenderConfig.new
      messages << "less than #{config.new_partner_satisfaction_call_quantity} loans disbursed"
    end

    if vertical.try(:name) == "Home Improvement"
      messages << "Home Improvement loan"
    end

    messages
  end