> Webinar: Regulator Issues & Update for the Credit Analyst

Tuesday, June 18, 2013
3:00 PM Eastern Daylight Time
4:30 PM

Financial regulators continue to emphasize two points: 1) verification of financial ratios, values, etc. and 2) the depth of documented support material. Current and accurate information (based on regulatory guidance statements) is critical not only for underwriting, but also on-going 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 of the borrowing entity’s financial performance

Although these duties may be assigned to the credit analyst, underwriter, or to the loan officer, this presentation will assume all are assigned to the credit analyst or underwriter. 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.


  • Role of the credit analyst/underwriter
    • What regulators want to see
    • Factoring in processes from recent regulatory issuances
    • The credit risk evaluation process
    • Use of risk grading matrix
  • Underwriting the loan
    • Issues with cash flow analysis
      • Debt associated with the interest expense on IRS 1040
      • Liquidity
    • Issues with debt service coverage – both D/I and debt service coverage ratio (DSCR)
      • Taxes and living expenses
      • Dealing with passive income
      • Distributions and contributions
      • Guarantor support analysis
      • Global debt service analysis
      • Stressed D/I or DSCR
    • Collateral coverage analysis
    • Structuring of the credit
  • Home equity lending – regulatory guidance for junior liens
  • Investor-owned 1-4 family rental properties – regulatory guidance

This presentation is for beginning and 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, Young & Associates, Inc.
With over 30 years as a banking veteran, Wayne Linder was formerly the CEO of a community bank. At Young & Associates, Inc., Wayne works as a senior lending and management consultant. He performs loan reviews; 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.

Wayne is a popular seminar speaker with both national and international experience. In addition to his many published articles, he is the author of Loan Review Deskbook.

PLEASE NOTE: Your registration fee allows you to have one telephone connection. However, as many people as you like may listen from your office speaker phone.  If you register for the webinar, your registration fee also includes one internet connection from a single computer terminal.


The LIVE WEBINAR option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone.  Registrants receive a toll-free number and pass code that will allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, pin number, and handouts will be emailed to you prior to the broadcast. You will need the most current version of Adobe Reader available free at www.adobe.com.

Can't attend the live webinar?  The ON-DEMAND WEB LINK** is a recording of the live event including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately 1 week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days AFTER the webinar and will expire 6 months after the live program date.  But there's more . . . AS AN ADDED BONUS, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.

*CD Rom for PC use only
**All materials are subject to copyright and intended for your credit union's use only.

NEW! Listen on your iPad, iPhone, or Android. Instructions will be emailed to you with the on-demand link.

$199.00 Webinar per connection
$199.00 Archived On-Demand Web Link & Free CD ROM
$249.00 Both Live Webinar & Archived On-Demand Web Link & Free CD ROM

TIME: 3:00 p.m. - 4:30 p.m.

To register and pay by check, email Mary Zelinsky at mzelinsky@njcul.org and your credit union will be invoiced. To register and pay online, click here.