Webinar: Credit Scoring Models: Understanding Lending Use & Limits
April 14, 2026 3:00 pm - 4:30 pm
Credit scores drive lending decisions, but do you truly understand what they reveal — and what they miss?
This webinar will examine where scoring models excel, where they fall short, and how they fit into a broader, more reliable credit risk strategy. Join financial services expert David Reed as he explores traditional and emerging scoring models, borrower analytics, and integration techniques that lead to stronger underwriting and portfolio performance.
KEY WEBINAR TAKEAWAYS
- How credit scoring models are designed and what risk they are meant to predict
- Why credit scores vary and how those differences affect underwriting and pricing
- Where credit scores add value and where overreliance increases risk
- Common credit score limitations that drive poor loan performance
- How to combine credit scores with borrower analytics to improve portfolio results
BONUS MATERIALS
- Credit score use and limits reference guide
- Underwriting decision support matrix
- Common credit scoring misconceptions checklist
- Portfolio risk segmentation discussion guide
WEBINAR DETAILS
Credit scores are embedded in nearly every lending decision, yet they are often relied on without a full understanding of what they measure and where they fall short. Credit scores do not capture the full picture of borrower risk, and overreliance on them can lead to inconsistent decisions, higher delinquencies, and weaker portfolio performance. This in-depth session will explore traditional and newer credit scoring models, as well as the increasing use of borrower analytics to enhance credit risk assessment. We will focus on practical application, showing how to integrate credit scores with other risk factors to improve credit quality, reduce losses, and strengthen examiner confidence. When properly used within a broader risk framework, credit scoring models can support better risk management, more consistent underwriting, and stronger lending outcomes.
WHO SHOULD ATTEND?
- Lending and underwriting staff
- Credit administration
- Loan servicing
- Loan review
- Compliance
- Risk management
- Internal audit
- Collections teams
- Senior management involved in credit decisions or oversight
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: David A. Reed, Reed & Jolly, PLLC
Attorney, author, consultant, and nationally recognized trainer, David Reed is a partner in the law firm of Reed & Jolly, PLLC. He provides guidance to financial institutions on establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance. His engaging speaking style has made him a nationwide lecturer on regulatory compliance, consumer lending, bankruptcy, and collections.
A former trial attorney and vice president and general counsel of a large regional financial institution, David is also a Certified Fraud Examiner. He is particularly known as an expert in the areas of operations, bankruptcy, and collections. He has trained state and federal examination staff on numerous issues, including BSA, ID theft red flags, SAFE Act, third-party contract management, and bankruptcy.