The purpose of this blog is to provide guidance for the credit analyst as well as improve the concentration of knowledge directly related to the analyst's role. The author, a seasoned credit analyst and underwriter, recognizes the importance of sharing knowledge to overcome challenges faced in identifying risks associated with a credit decision. Your feedback is welcome and integral to building an invaluable resource of information for the community.

Flood Certification Requirements

The answer to the following questions is found here. When do you need to obtain a Flood Certificate? When is Flood Insurance required? How much Flood Insurance is required? Question: When do you need to obtain a Flood Certificate? Answer: A flood certificate is obtained before a loan is made, increased, extended, or renewed. A...

Basic Loan Calculations-DSCR and LTV

The first post in this two part series covered calculating a loan payment. We continue our basic calculation series covering calculations of the Debt Service Coverage Ratio (DSCR)– a measure of borrower’s capacity to repay the loan and Loan to Value (LTV). DSCR Calculation The formula for the Debt Service Coverage Ratio (DSCR) or Debt...
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