Credit Analysis / Underwriting

Loan Portfolio Review

DFTC can prepare you for your next audit or regulatory exam by reviewing and evaluating your existing MBL portfolio. In order to strengthen the performance of your portfolio and to better comply with regulatory requirements, DFTC will:

  • Review and improve your loan policies and procedures
  • Create more effective underwriting protocols
  • Review your files and origination documentation to include:
    • Loan Application
    • Compliance with internal policies
    • Closing checklist of needed loan documents
    • Environmental Questionnaires and reviews
    • Collateral review sheet
    • Personal Financial Statements
    • NCUA compliance checklist
    • Loan Presentation format
  • Review Risk rating reports and recommend necessary changes
  • Analyze compliance with loan terms and conditions
  • Review portfolio concentration
  • Identify potential losses and the adequacy of loan loss reserves

Third Party Underwriting

DFTC’s business lending experts can provide depth and expertise to your credit union’s underwriting capabilities. With several decades of experience evaluating the credit needs of business, DFTC can provide whatever level of underwriting assistance your credit union requires. We will:

  • Evaluate loan requests for compliance with basic loan underwriting criteria
  • Review CUSO participations
  • Conduct annual reviews to meet the requirements of NCUA Rule 723
  • Complete a credit analysis of existing businesses to determine their strengths and weaknesses
  • Analyze ratios and business trends using credit analysis software
  • Complete reports for consideration by loan committees


More than 300 financial institutions have trusted us to strengthen their programs and services and improve their profitability. Talk to us to see how our services can meet your organization's needs.