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Underwriting

The control function — a go/no-go against FCU's guidelines, kept independent (no incentives here). What to do: review the cured file, then approve it to process, return it to the MSR with what's missing, or deny it with a reason. Capturing the denial reason is new: Earl never did, it only lived in CU*Answers' STATUS.

Queued4
Cured files waiting for an underwriter to pick up.
UND-12
Personal
Haylie S****
$1,116
Pledged collateral · member since 2023
APR28.23%
CLP
KMKammi
10/20
1d
0
UND-10
Auto
Brent S****
$58,711
New vehicle · member since 2023
APR5.10%
CLP
KMKammi
10/20
2d
0
UND-2Aging
Auto
Leeanne K****
$26,395
New vehicle · member since 2023
APR15.50%
CLP
KMKammi
10/20
6d
0
UND-9Aging
Credit Card
Jon'Nesha W****
$1,000
Diamond Cashback 10% Credit Card · member since 2023
CLP
KMKammi
8/15
5d
0
In Review5
Underwriter reviews the file against FCU's guidelines.
UND-7Aging
Personal
Grace Meyer
$15,000
Debt consolidation
DTI38%APR10.24%
CLP
KMKammi
14/15
6d
Aug 22
0
UND-4At risk
Auto
Dominic C****
$54,145
Used vehicle · member since 2023
APR17.84%
CLP
KMKammi
10/20
7d
0
UND-8Aging
Motorcycle / RV
Justin N****
$16,600
RV / powersport · member since 2023
APR11.16%
CLP
KMKammi
10/20
5d
0
UND-11
Auto
Ryan B****
$18,461
Used vehicle · member since 2023
APR4.64%
CLP
KMKammi
10/20
1d
0
UND-1At risk
Auto
Robert M****
$37,835
Used vehicle · member since 2023
APR6.71%
CLP
KMKammi
10/20
7d
0
Approved2
Cleared to process and fund.
UND-3At risk
Auto
Chris Wolf
$27,000
2022 Toyota Tacoma
DTI31%LTV89%APR6.74%
CLP
KMKammi
18/19
7d
Aug 20
0
UND-5At risk
Auto Refi
Dana Fischer
$19,200
2020 Honda CR-V
DTI27%LTV88%APR6.49%
CLP
KMKammi
19/19
7d
Aug 20
0
Returned to MSR1
Sent back with conditions or missing items to resolve.
UND-6At risk
HELOC
Lena Schmidt
$60,000
Primary residence · member since 2014
DTI41%
HEP
KMKammi
11/20
7d
Aug 25
0
Denied0
Declined, with the reason captured for the audit trail.
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