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Underwriting Basics: Interviewing, Credit Reports, Debt Ratios & Reg B Webinar
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Underwriting Basics: Interviewing, Credit Reports, Debt Ratios & Reg B Webinar


When: Archive only
Where: In Your Credit Union
Kristina Kirchmer

Registration Information
Online registration is closed.

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





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