It's not unusual for the client/patient to deny or fail to report declines, for a variety of reasons (e.g., anosognosia, "traditional" denial, etc.). It's also not entirely unusual for a collateral not to report decline (maybe they don't want to admit there's a change, maybe they aren't around enough to see one, maybe the patient has a very structured routine and is pretty good at hiding any problems), but a lot of that can relate to what questions you ask and how you ask them. In terms of diagnostic criteria specifically, MCI requires concern for change in cognition, but that can include concern from a clinician observing the patient.
We don't interpret test performances in isolation, so it's hard to come up with a simplified example. But if everything else in the evaluation points in the direction of cognitive decline despite the patient denying any changes, and the patient scores at -2SD in a cognitive domain, that's a large discrepancy from what would be expected and would generally be very unusual in the cognitively-healthy population. So the clinician very well might be considering MCI.
Now, if a person came in for a research study, went through a limited interview in which they denied any cognitive concerns or functional changes, and scored at the 2nd percentile on a single memory test, would I diagnose MCI? No. Would I be concerned and think the person needed further evaluation? Probably.
You also have to determine which MCI criteria you're using, or if you're going to instead use DSM-5's Mild Neurocognitive Disorder. Criteria are similar but not identical. NIAAA diagnostic recommendations are that MCI entails: concern for cognitive change, impairment in one or more cognitive domains (defined as "evidence of lower performance in one or more cognitive domains that is greater than would be expected for the patient’s age and educational background" and described as typically 1 to 1.5 SD below the mean of normative data), preservation of independence in functioning, and absence of dementia.
Like Sanman said, neuropsych assessment is a body of knowledge rather than being solely about administering and scoring cognitive testing. While the question you're asking is simple, the answer is not.