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Loan Underwriting 101: Interviewing, Credit Reports, Debt Ratios & Regulation B

This webinar will provide a well - rounded approach to underwriting, including the importance of the initial interview process, the collection of pertinent information, and the assessment of repayment ability – all within the context of fair lending requirements under the Equal Credit Opportunity Act (ECOA) as prescribed in Regulation B.

Apr 16, 2019 02:00 PM   -­­  Apr 16, 2019 03:30 PM
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Type of Event
On Demand Webinar

Who Should Attend
  • On Demand
  • Webinars
  • Lenders

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Description

This presentation will provide the foundation upon which sound credit underwriting practices can be built. The purpose of underwriting is to fully understand the proposed credit, accurately assess its level of risk, and effectively document that assessment. This webinar will provide a well - rounded approach to underwriting, including the importance of the initial interview process, the collection of pertinent information, and the assessment of repayment ability – all within the context of fair lending requirements under the Equal Credit Opportunity Act (ECOA) as prescribed in Regulation B.

Learning Objectives

  • Applications for credit and fair lending considerations
    • Information requests and policy exceptions
    • Joint intent and signature requirements
  • Underwriting consumer loans and residential mortgages
    • Repayment sources, assessing repayment capacity, collateral analysis
    • Credit scores, credit reports, and borrower balance sheets
    • Documenting the underwriting process
  • Underwriting commercial loans
    • Repayment sources, information needed, assessing repayment capacity, and basic collateral analysis

Speaker

Aaron Lewis, Young & Associates, Inc.

Investment

$259.00