Agenda

April 14, 2026
11:00 am - 12:30 pm EST

Credit scores are embedded in nearly every lending decision, yet they are often relied on without a full understanding of what they measure and where they fall short. Credit scores do not capture the full picture of borrower risk, and overreliance on them can lead to inconsistent decisions, higher delinquencies, and weaker portfolio performance.

This in-depth session will explore traditional and newer credit scoring models, as well as the increasing use of borrower analytics to enhance credit risk assessment. We will focus on practical application, showing how to integrate credit scores with other risk factors to improve credit quality, reduce losses, and strengthen examiner confidence. When properly used within a broader risk framework, credit scoring models can support better risk management, more consistent underwriting, and stronger lending outcomes.

Topics

KEY WEBINAR TAKEAWAYS:

• How credit scoring models are designed and what risk they are meant to predict
• Why credit scores vary and how those differences affect underwriting and pricing
• Where credit scores add value and where overreliance increases risk
• Common credit score limitations that drive poor loan performance
• How to combine credit scores with borrower analytics to improve portfolio results

Speaker(s)

David A. Reed
Reed & Jolly, PLLC

Attorney, author, consultant, and nationally recognized trainer, David Reed is a partner in the law firm of Reed & Jolly, PLLC. He provides guidance to financial institutions on establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance. His engaging speaking style has made him a nationwide lecturer on regulatory compliance, consumer lending, bankruptcy, and collections. A former trial attorney and vice president and general counsel of a large regional financial institution, David is also a Certified Fraud Examiner. He is particularly known as an expert in the areas of operations, bankruptcy, and collections. He has trained state and federal examination staff on numerous issues, including BSA, ID theft red flags, SAFE Act, third-party contract management, and bankruptcy.

Fees

Live Webinar - $279

• Unlimited connections for your institution
• Available on desktop, mobile & tablet
• Take-away toolkit
• Presenter’s contact info for questions

On-Demand Webinar - $279

• Unlimited & shareable access starting two business days after live stream
• Available on desktop, mobile & tablet devices 24/7
• Take-away toolkit
• Ability to download webinar video
• Presenter's contact info for questions

Live + On-Demand - $379

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

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