Webinar: Regulator Issues & Update for the Credit Analyst

Start: 3:00 pm
End: 4:30 pm
Event Days: 06/18/2013 - 06/18/2013

Financial regulators continue to emphasize two points: verification of financial ratios, values, etc.; and the depth of documented support material. Current and accurate information (based on regulatory guidance statements) is critical not only for underwriting, but also for ongoing monitoring of creditworthiness. There are three primary credit functions that financial regulators expect financial institutions to perform:

  1. Spreading and analyzing financial information on the borrower and related entities.
  2. Performing an in-depth underwriting analysis.
  3. Monitoring the borrowing entity's financial performance.

This webinar will focus on consumer lending and regulators' emphasis points during safety and soundness examinations. It will also address regulatory guidance for home equity lending and 1-4 family residential investment properties.

About This Session:     

This webinar will cover the following topics:

  • Role of the credit analyst/underwriter and what regulators want to see
  • Underwriting the loan
  • Issues with cash flow analysis
  • Issues with debt service coverage - both D/I and debt service coverage ratio (DSCR)
  • Collateral coverage analysis
  • Structuring of the credit
  • Regulatory guidance for junior liens in home equity lending
  • Regulatory guidance for investor-owned 1-4 family rental properties

Who Should Participate:

Beginning/intermediate-level credit personnel, including credit analysts, loan officers, loan review personnel, loan committee members and credit-risk managers

About the Presenter:

S. Wayne Linder, Senior Consultant, Young & Associates, Inc.

A 30-year banking veteran, S. Wayne Linder was formerly the CEO of a community bank.  At Young & Associates, Inc., Linder works as a lending and management consultant.  He performs loan reviews, fair lending reviews, and regulatory compliance audits.  He also facilitates strategic planning retreats; assists financial institutions under regulatory enforcement agreements; performs management and board of director assessments; and develops and implements written policies throughout all areas of the financial institution.