Consumer Lending Underwriting Basics

Collections Lending Artificial Intelligence (AI)Fraud

On-Demand Webinar

StreamedMay 27, 2026Duration90 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

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Do your new lenders understand the “why” behind every credit decision?

Consumer lending remains a vital function for every financial institution, and expectations are high for consistency, fraud prevention, and sound credit judgment. This 90-minute session will give new lenders a practical foundation in evaluating and approving consumer loans in today’s environment. We will also describe how automated and AI-assisted decision systems fit into the process while reinforcing that human judgment and strong underwriting fundamentals remain key to responsible lending.

KEY WEBINAR TAKEAWAYS

A clear, practical framework for evaluating consumer loan applications from intake through approval
Income analysis, DTI calculation, and credit report interpretation
Identifying risk factors and documenting defensible credit decisions
Common consumer lending fraud red flags
How automated decisioning systems function — and when human judgment must take over

BONUS MATERIALS

Manual review framework for discretionary consumer loans (1-page job aid)
Consumer loan underwriting checklist
Credit report review quick reference guide
Income analysis reference guide (W-2, variable, and self-employed borrowers)
Automated decisioning and override documentation template
Consumer lending fraud red flags
AI in Consumer Lending: What Lenders Need to Know (1-page overview)

WEBINAR DETAILS

Consumer lending remains a core activity for financial institutions, but expectations for consistency, fraud awareness, and automated decision systems continue to evolve. This 90-minute program will provide new consumer lenders with a practical foundation in how consumer loans are evaluated and approved in today’s environment. Learn how to analyze income, interpret credit reports, calculate debt-to-income ratios, and evaluate collateral. Discover how automated decision systems function and why basic underwriting skills remain essential — particularly when reviewing loans in the discretionary band or when an automated approval may still warrant additional scrutiny or decline. The session will introduce modern lending tools, including automated underwriting and AI-assisted review systems, while reinforcing that lenders — not systems — remain responsible for sound credit decisions. Real-world examples and practical guidance will be emphasized to help new lenders develop disciplined underwriting habits early in their careers.

WHO SHOULD ATTEND?

New consumer loan officers
Entry-level or junior consumer lenders
Consumer loan processors seeking underwriting knowledge
Branch managers involved in consumer loan approvals

TAKE-AWAY TOOLKIT

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.