CUBG 2026 Business Loan Policy Update – January 23, 2026

Description

Date: Friday, January 23

Time: 11:00 a.m. Pacific

Duration: 60 minutes

CU Business Group has released the 2026 update to our Business Lending Policy template – one of the many benefits your credit union receives as a Member of CUBG.

Join us for an in depth walkthrough of this updated template as we step you through the latest changes, best-practice enhancements, and underwriting refinements behind this year’s revisions.

We’ll review the most significant changes from the 2025 policy, including:

• New and updated language for compliance with the 2025 Debanking Executive Order
• The renaming of the High Risk Business Loans section, and clarified approval conditions
• Strengthened underwriting expectations for CRE – including the requirement to obtain projected financial statements alongside rent rolls when historical financial information is not available.
• Enhanced stress testing guidance to include non monitored business lines of credit
• Expanded requirements for global cash flow analysis to ensure conformity with NCUA Regulation 723.4
• Key Risk Rating & Review enhancements, such as:
  • Treatment of rating overrides as policy exceptions (an examiner hot-button)
  • Updated guidance on turnover risk for CRE
  • Identification of industry risk for C&I lending
  • Language prohibiting approval of new loans rated Special Mention or worse without a government guarantee
  • Clarification on risk rating construction loans in the construction phase

Who should attend? This webinar is ideal for commercial lending leadership, underwriters, credit administration staff, and anyone responsible for maintaining or implementing your credit union’s business lending policy.

We look forward to helping your team successfully update your policy for 2026 and continue strengthening your business lending program.

Purchase Terms & Conditions

If you have additional attendees to add to your registration, please include these emails in the order notes section at checkout. Each attendee will need a unique login link for access.

This information is confidential and for use by your credit union only as a client of CU Business Group. The policy template and any educational materials are proprietary and are not to be shared outside of the Member credit union.