Sep 12

Regulator Issues for the Credit Analyst

Registration Options & Pricing

Please select your membership status.

Recorded Webinar Includes

  • Recording of the Live Webinar
  • Available 6 business days following Live date
  • Available for 6 months following Live
  • Handout and Take-Away Toolkit
  • Available on Desktop, Mobile & Tablet
  • Free Digital Download, yours to keep
  • Share link with anyone at your credit union
  • Presenter’s contact info for follow-up

Tuesday, September 12, 2017

9:00 am – 10:30 am HST
12:00 pm – 1:30 pm PT
1:00 pm – 2:30 pm MT
2:00 pm – 3:30 pm CT
3:00 pm – 4:30 pm ET

With the enactment of the revised MBL rule, auditors and examiners will be focusing reviews on the accuracy and effectiveness of the credit union’s risk management methodologies, underwriting standards, and loan approval process for commercial and member business loans. This presentation will focus on underwriting standards and the loan approval process as it relates to the credit analyst.

Four key points are being emphasized by financial regulators:

  1. Verify all information and documents in the credit file
  2. Obtain current financial information including current debt information
  3. Obtain current and valid collateral value information and maintain in the credit file
  4. Document in-depth analysis of underwriting in the credit file

In evaluating a business’s creditworthiness, the credit analyst should assess business sustainability, including stress testing for adverse conditions. Examiners will be reviewing your procedures for ensuring proper and adequate determination of creditworthiness.

Continuing Education: Attendance verification for CE credits upon request


  • Compliance with MBL rule requirements
  • Five principles for lending
  • Commercial loan policy considerations, including risk-driven credit analysis
  • Personal guarantors
    • Requiring or not requiring personal guarantors: Regulation B guidance
    • Three tests for determination
  • Loan-to-value requirements
    • Secured vs. unsecured debt assessment
    • Collateral valuation process – a five-step process
    • Calculating the loan-to-value ratio, including HELOCs, future advance clause, and cross collateralization
  • Regulatory guidance for assigning credit risk ratings

    • Employee training log
    • Quiz you can administer to measure staff learning and a separate answer key


This webinar is directed to beginning and intermediate-level credit personnel, including credit analysts, commercial and member business loan underwriters, general loan officers, loan review personnel, loan committee members, and credit-risk managers.

PLEASE NOTE: Program content is subject to copyright and intended for your individual financial institution’s use only.


Young & Associates, Inc.
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