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Lending & Credit Risk Commercial Lending Credit Risk Management Credit Risk Regulation

Credit union business lending checklist: Common credit risk issues flagged by examiners

As credit unions grow their small business lending programs, examiners are watching more closely. This checklist highlights the most common credit risk issues found by the NCUA and offers clear steps to address them.

You’ll find practical ways to align risk appetite with lending capacity, track exceptions, and spot early warning signs of credit trouble. The guide helps boards and management teams strengthen oversight and reduce risk before examiners raise concerns.

Learn how to:

  • Define and document your lending risk appetite and capacity
  • Use data-driven analysis to set portfolio limits
  • Track policy exceptions and emerging risks
  • Apply consistent charge-off and workout strategies to improve loan quality