Consumer Loan Underwriting 101

On-Demand Webinar:
StreamedJun 13, 2024Duration90 minutes
  • Unlimited & shareable access starting two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions
See Registration Options

All consumer lenders must have a keen understanding of the governing regulations and possess fundamental skills.

This webinar will cover a bountiful abundance of consumer lending topics, including loan purpose, policy and procedure, loan application and interview, repayment sources, underwriting, collateral, calculating debt-to-income and loan-to-value ratios, lending ethics, privacy, and more! Don’t miss this one-stop shop for the basics of consumer lending.
  • Identify the types of consumer loans and their purposes
  • Comprehend your financial institution’s loan policy and procedures
  • Complete a successful loan interview and take a complete loan application
  • Identify the primary and secondary sources of repayment
  • Understand the basics of loan underwriting, including calculating debt-to-income and loan-to-value ratios and credit scoring models
  • Take collateral to secure the loan
  • Have a working knowledge of consumer lending regulations
  • Recognize the most common errors in consumer lending


This program will dive into the basics of consumer lending, whether your financial institution manually underwrites loans or uses an automated credit decision model. It will cover typical loan policy content and types of consumer loans, including mortgages, installment loans, and revolving credit. 

You’ll learn to compliantly conduct a comprehensive loan interview and thoroughly complete a loan application. Underwriting basics will be provided with examples of calculating debt-to-income and loan-to-value ratios, reading credit reports, and using credit scoring models. You’ll discover how to take collateral to secure your loan, including determining the collateral’s owner, perfecting your interest, and monitoring. 

In addition, this presentation will contain an overview of the key consumer loan regulations, address the basics of lending ethics, explain the critical nature of confidentiality, and help you avoid the most common errors in consumer lending.


This informative session is designed for those new to consumer lending or anyone looking for a refresher on the basics.


  • Glossary of consumer lending terms
  • Summary of consumer lending regulations
  • Sample consumer loan policy outline
  • Debt-to-income worksheet
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

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


"Bob was able to keep the information light and moving. This is a good overview of the job of a lender. I liked the ability to ask questions and have them answer them at specific times rather than stop the training to answer them."
- Jamie, Peninsula Community Federal Credit Union

Presented By

Robert VieringRobert L. Viering
RiverPointUSA LLC