Credit Management, credit analysis, credit risk and Management reporting, tracking, and monitoring, including department statistics, portfolio statistics, and other segmentation statistics, Automated underwriting systems and planned underwirtting and loan approval changes Review of the underwriting and loan approval process is important because the goal of the examination is not only to identify current portfolio problems, but to identify potential problems that may arise from ineffective policies, unfavorable trends, lending concentrations, or nonadherence to policies. Digitization of the lending process brings a number of powerful benefits, including better decisions, improved customer experience, and significant cost savings. It is also a complex and challenging project.