ISCU Underwriting Calculator - Profitability First

Loan Application Details

Credit Score

Monthly Income

Loan Amount

Loan Term (months)

Monthly Debt Payments (excluding this loan)

DTI % (auto-calculated)

Product Type

Vehicle Age

Job Tenure

Collateral Value (if secured)

LTV % (auto-calculated)

```

Credit Score Reason Codes (enter in order from credit report)

Code 1

Description (30% weight)

Enter code number...

Code 2

Description (25% weight)

Enter code number...

Code 3

Description (15% weight)

Enter code number...

Code 4

Description (10% weight)

Enter code number...

PENDING

Enter loan details to calculate

Expected Net Income Per Loan
$--

Charge-Off Risk

--%

Risk Level

Interest Rate

--%

Break-Even Rate

--%

Income Analysis

Interest Income (performing) $--

Dealer Reserve (if indirect) $--

Expected Loss (CO prob x loss) $--

Expected Net Income $--

Risk Factors Used

Enter loan details to see risk analysis

Model Assumptions