Events Calendar

Webinar: Loan Underwriting 101: Interviewing, Credit Reports, Debt Ratios & Regulation B
Tuesday, April 16, 2019, 03:00pm - 04:30pm

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.


  • 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
    • Written manual discussing the material covered in the presentation
    • Employee training log
    • Quiz to measure staff learning and a separate answer key


This informative session is designed for new lenders, credit analysts, and underwriters, or lending department staff that want a refresher. Frontline employees who collect credit applications will also benefit from this basic underwriting course.

SPEAKER:  Aaron Lewis, Young & Associates, Inc.

Aaron Lewis is a consultant in the lending and compliance divisions of Young and Associates. As a consultant, he assists clients by performing loan reviews and ALLL methodology reviews. In addition, he has performed reviews in lending compliance and quality control. Prior to joining Young and Associates, Aaron was employed by a community bank in southeast Michigan for eleven years. He worked his way through various facets of the operation from frontline service, to branch management, to Vice President, Credit Administrator. He also has secondary market, compliance, and asset quality experience. Aaron holds a Bachelor’s in finance from Michigan State University and graduated from the Graduate School of Banking, University of Wisconsin.