In our operation, the manual loadsheet is prepared by the Flight Engineer, from the load information given to him by the freight/baggage loaders.
This is far from accurate, and an additional bit of nose up trim is added by the pilots, for a normal rotation.
IF the crew positively know what they are doing, this works well.
Perhaps less well so with larger companies...IE: new guys on type, especially.
Further, computer generated loadsheets are prone to rather large errors, sometimes not fully appreciated by crew...IE: using ZFW listed as the TOW.
SQ comes to mind, in the not to distant past.
Check to be sure.
Ground folks who prepare the loadsheets don't have to fly the aeroplane when it is severely mistrimmed..according to the loadsheet.
Pilots DO.