The SSL_CTX's cert structure is not relevant for the SSL
(because now SSL_new makes a copy).

ssl/ssl_lib.c

diff --git a/ssl/ssl_lib.c b/ssl/ssl_lib.c
index 365b3ce..0b30ccf 100644
--- a/ssl/ssl_lib.c
+++ b/ssl/ssl_lib.c
@@ -575,8 +575,6 @@
 		SSLerr(SSL_F_SSL_CHECK_PRIVATE_KEY,ERR_R_PASSED_NULL_PARAMETER);
 		return(0);
 		}
-	if (ssl->cert == NULL)
-		return(SSL_CTX_check_private_key(ssl->ctx));
 	if (ssl->cert->key->x509 == NULL)
 		{
 		SSLerr(SSL_F_SSL_CHECK_PRIVATE_KEY,SSL_R_NO_CERTIFICATE_ASSIGNED);