Retail Lending Examination Procedures

Underwriting

1. Risk management reports used to monitor and analyze applicant quality and trends. Include application-tracking trend reports for the most recent year-end and year-to-date. Depending on the portfolio, information may include applications submitted, approved, booked, and denied, and underwriting criteria, such as credit grades, loan-to-value, credit score, and debt-to-income distributions/measures.

2. Reports used to track loan officer or underwriter productivity and compliance with policy.

3. Reports used to monitor underwriting policy exceptions and overrides. Please include any analyses of subsequent performance by type of exception.