Webinar: Consumer Lending Underwriting Basics
May 27, 2026 11:00 am - 12:30 pm
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
Speaker: Robert L. Viering, RiverPointUSA LLC, RegVizion LLC
Bob is the principal of RiverPointUSA LLC, a national consulting and training firm dedicated to helping community banks and credit unions strengthen credit risk management, strategic planning, and sustainable growth. With over 40 years of experience in commercial banking, Bob brings expertise in C&I, CRE, and agricultural lending, as well as portfolio management, stress testing, CECL, liquidity, and capital planning.
Bob’s career includes roles as a de novo bank founder, CEO, Chief Lending Officer, regional credit officer, board member, and audit committee member. He has also served as an expert witness in state and federal courts. Bob is a past board member of state and national banking associations and a frequent speaker on banking topics across the country.
In addition to his work at RiverPointUSA, Bob co-founded RegVizion LLC, which develops AI-driven credit tools. Bob is also a founder of RegVizion LLC, developing AI-driven credit tools, and actively serves on the board of the Chicago Chapter of ProSight (formerly RMA) and is a member of their national Chapter Advisory Group.