This quarterly underwriting network meeting will focus on how credit unions are managing evolving agency guidelines, balancing credit risk with growth, and maintaining a strong member experience. We’ll discuss recent FNMA and FHLMC updates, underwriting consistency challenges, overlay strategies, and best practices for handling difficult approval and decline decisions across teams.
In this session, we’ll discuss:
FNMA & FHLMC updates, including condos, insurance, and LLPAs
Underwriting consistency and interpretation challenges
Credit risk trends and overlay adjustments
Balancing growth with sound credit quality
Managing the “gray area” approvals across teams
Communicating loan declines clearly and professionally
