Credit Analysis/ 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, we can provide whatever level of underwriting assistance your credit union requires. DFTC uses the industry-leading software FISCAL to perform spread analyses, sensitivity analyses, and RMA comparisons.  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