Jan 11

Credit Analysis & Underwriting Series:
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 bank
  • Presenter’s contact info for follow-up

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 webinar will focus on the fundamentals of underwriting credit: the essentials of gathering the right information, analyzing it in an informative, consistent manner, and understanding the impact of fair lending rules. It will also explain why certain aspects of underwriting are done the way they are. The program will focus primarily on underwriting consumer and residential mortgage loans, although it will also address how underwriting fundamentals apply to commercial lending. Join us to learn the basics of calculating debt-to-income ratios using tax returns, pay stubs, and credit reports.

Continuing Education:   Attendance verification for CE credits upon request

Save with this series!


  • Primary questions underwriting should address
  • Information to gather for various loan requests and how it can be used in underwriting
  • Reg B dos and don’ts when requesting and analyzing financial information
  • Calculating a borrower’s monthly income consistently and accurately, considering several common sources of income
  • Tips on assessing a borrower’s monthly obligations, including options for how to treat credit card debt, deferred debt, and debt that is maturing
  • Importance of documenting your underwriting analysis, and how to do it effectively

    • Written manual discussing the material covered in the presentation
    • List of questions to ask yourself when underwriting (designed as a tool for learning and applying the fundamentals)
    • Employee training log
    • Quiz you can administer to measure staff learning and a separate answer key


This informative session will provide new lenders and underwriters with the fundamental principles of loan underwriting. Experienced lenders that are transitioning into performing or overseeing underwriting analysis will also benefit.

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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