Overcurrent devices are required to be readily accessible. If you have a permanent pull down ladder and don't have to resort to getting a portable ladder to access the panel and it's overcurrent devices it would be readily accessible.
Does this panel have the required working space clearances of 110.26(A)?
Also I mentioned the service disconnecting means. The reson that I asked that is that the service disconnecting means must be installed either outside the building or inside nearest the point of entrance to the building. (See 230.70(A)(1))
Chris