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Risk Based Lender
"The Credit Union Solution"

Please Note: The majority of this information has been included
in the current version of the Risk Based Lender manual.

Bonus Material

    1. Modified Auto Loan Underwriting Chart (New - 2/21/07)
         How to combine "maximum percent financing" and "risk adjusted rates" into an easy-to-read chart format
             a. PDF format
             b. Microsoft Word Format

2. Validation Study (2/22/07):
How to analyze your risk based lending and comply with the NCUA Validation requirements.

FAQ
1. How do you test the tier levels?

Revisions
    1. Sample Risk Based Lending Policy (revised 3/05)

    2. Loan Officer Log (Revised 11/05)
         Added "Refinance Amount" Column (for tracking the amount of advance plus total new loan)
         "Exception Approval" Column (for easier tracking of the "exception" loans)

    3. Sample Board Proposal (revised 2/6/06)
        The board proposal was re-written and is more detailed than the one shown in the manual.

Forms
    1. Equifax Tier Tracking Form
        Beacon 5.0 (FICO)
        BNI 3.0 (Bankruptcy) 600 point
        BNI 3.0 (Bankruptcy) 300 point
        Pinnacle 2.0 (NextGen)

    2. Experian Tier Tracking Form
        Fair,Isaac (FICO)
        MDS (Bankruptcy)
        NextGen (NextGen)

    3. TransUnion Tier Tracking Form
        Empirica (FICO)
        TransRisk (Bankruptcy)
        Precision (NextGen)

    4. Loan Officer Log

5. Teller/Loan Officer Reference Sheet:

6. Sample Loanliner Addendum

Validation Charts

Validation Charts

Miscellaneous

NextGen Brochure (PDF Format)
NextGen User Guide (PDF Format)
NextGen FICO Risk Score (PDF Format)