Mortgage Lending · Underwriting
Risk assessment guidelines
An internal guide telling underwriters how to judge the risk of a loan application and when to approve, condition, or decline it.
What it usually contains
- Credit score, debt-to-income, and loan-to-value thresholds
- Layered risk rules for when weak factors stack up
- Guidance on income, employment, and asset verification
- Property, appraisal, and occupancy risk factors
- Escalation and exception approval steps
What the assistant uses it for
Use it to answer whether a borrower profile falls inside acceptable risk limits, which compensating factors offset a weakness, and who must sign off on an exception.
How it is versioned
A document of this type has exactly one current version at a time. Upload a revision and it becomes the version that counts — the one before it is kept and dated, but is no longer what your assistant answers from. Nothing is ever deleted, so you can always show what this document said on a given date.
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