Apr 16

Loan Underwriting 101: Interviewing, Credit Reports, Debt Ratios & Regulation B

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

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

This presentation will provide the foundation upon which sound credit underwriting practices can be built. The purpose of underwriting is to fully understand the proposed credit, accurately assess its level of risk, and effectively document that assessment. This webinar will provide a well-rounded approach to underwriting, including the importance of the initial interview process, the collection of pertinent information, and the assessment of repayment ability – all within the context of fair lending requirements under the Equal Credit Opportunity Act (ECOA) as prescribed in Regulation B.

Attendance certificate provided to self-report CE credits.


  • Applications for credit and fair lending considerations
    • Information requests and policy exceptions
    • Joint intent and signature requirements
  • Underwriting consumer loans and residential mortgages
    • Repayment sources, assessing repayment capacity, collateral analysis
    • Credit scores, credit reports, and borrower balance sheets
    • Documenting the underwriting process
  • Underwriting commercial loans
    • Repayment sources, information needed, assessing repayment capacity, and basic collateral analysis

    • Written manual discussing the material covered in the presentation
    • Employee training log
    • NEW: Interactive Quiz to measure staff learning


"Credit Analysis & Underwriting Series: Analyzing Financial Statements for the Credit Analyst"
Wednesday, January 30, 2019

"Credit Analysis & Underwriting Series: Debt Service Coverage Calculations in Underwriting"
Wednesday, February 20, 2019

"Credit Analysis & Underwriting Series:
Global Cash Flow Analysis for Underwriters & Credit Analysts"

Wednesday, March 27, 2019

All webinars are available for six months after broadcast


This informative session is designed for new lenders, credit analysts, and underwriters, or lending department staff that want a refresher. Frontline employees who collect credit applications will also benefit from this basic underwriting course.


NOTE:  All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.


Young & Associates, Inc.
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