Balancing Flexibility and Control: Underwriting Decisions in a Changing Market
This underwriting network meeting will focus on how credit unions are balancing portfolio flexibility with agency requirements while maintaining strong risk controls. We’ll discuss how teams are defining guardrails around portfolio lending, ensuring income integrity, and navigating insurance and condo-related issues that can delay closings. The session will also explore practical uses of AI in underwriting, with an emphasis on governance, controls, and real-world applications.
In this session, we’ll discuss:
Portfolio flexibility vs. agency standards: defining underwriting boundaries
Income integrity: preventing duplicate, unsupported, or double-counted income
Insurance and condo challenges that delay closings
AI in underwriting: use cases, controls, and governance considerations
