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Underwriting Basics: Interviewing, Credit Reports, Debt Ratios & Reg B Webinar
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When: Archive only
Where: In Your Credit Union
Contact: Kristina Kirchmer

Online registration is closed.
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This presentation will provide guidance for today’s regulatory standards for underwriting both consumer and business loans.  Financial regulators continue to emphasize two points – verification and depth of documented support material.  Insight will be provided from the presenter’s experience  defending credit procedures brought in legal filings by financial regulators against two failed financial institutions.


  • Regulatory emphasis – the essence of the credit
  • Significant points in Reg B (Equal Credit Opportunity Act) and the Fair Credit Reporting Act
  • The credit risk evaluation process
    • The 5 Cs of credit
    • Proposed ATR/QM rule
    • Risk in a business credit exposure
  • Interviewing – making the most of the loan application interview
    • Loan request information
    • Documents to obtain or request during the application process
    • Pre-qualification
  • Verify application information:  asset ownership, deposit balances, appraisals, and evaluations
  • Underwriting consumer loans
    • Income and debt issues
    • Debt-to-income ratios
    • Payment shock
    • Using a risk-grading matrix
  • Underwriting business loans
    • Cash flow analysis – which income and debt numbers to use
    • Debt service coverage ratios
    • Structuring the loan
  • Documenting the credit decision – approval document
    • Electronic training logo
    • Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.

Who Should Attend?
This presentation is for beginning and intermediate-skill level personnel including credit analysts, loan underwriters, commercial loan officers, loan review personnel, and directors on the Loan Committee.

About the Presenter - S. Wayne Linder, Young & Associates, Inc.
With over 30 years as a banking veteran, Wayne Linder was formerly the CEO of a community bank.  At Young & Associates, Inc., Wayne works as a senior lending and management consultant.  He performs loan reviews; assists financial institutions under regulatory enforcement agreements; performs management and board of director assessments; and develops and implements written policies throughout all areas of the financial institution.  Wayne is a popular seminar speaker with both national and international experience. In addition to his many published articles, he is the author of Loan Review Deskbook.

Educational Investment:

Archive Only
Over $75 million


$25 - 75 million


Under $25 million