Does the description explain when to use this tool, when not to, or what alternatives exist?
The description explicitly lists prerequisites: 'The application must be submitted, internally approved, due-diligence positive, and solvency passed.' This provides clear context on when to use the tool. However, it does not explicitly state when not to use it nor mention alternative tools, leaving some ambiguity.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.