2026 Q1 ACUMA Underwriting Network Meeting

Balancing Flexibility and Control: Underwriting Decisions in a Changing Market

This underwriting network meeting will focus on how credit unions are balancing portfolio flexibility with agency requirements while maintaining strong risk controls. We’ll discuss how teams are defining guardrails around portfolio lending, ensuring income integrity, and navigating insurance and condo-related issues that can delay closings. The session will also explore practical uses of AI in underwriting, with an emphasis on governance, controls, and real-world applications.

In this session, we’ll discuss:

• Portfolio flexibility vs. agency standards: defining underwriting boundaries
• Income integrity: preventing duplicate, unsupported, or double-counted income
• Insurance and condo challenges that delay closings
• AI in underwriting: use cases, controls, and governance considerations