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Risk Assessment Review Worksheet Pertinent Loan Data Mtg. Amount $ ____________________ Product Type _________________ Credit Score _____________ LTV/TLTV/CLTV _____________ Ratio(s) __________________ Housing Payment Increase _____________% Loan Transaction: Purch R/T Refi C/O Refi Occupancy: OO INV 2nd Credit Factors Credit Score Valid (>300 <870): YES NO Does Short Credit exist? YES NO Age/Number of Accounts: Type of Accounts: Credit Usage / Amount Owned (Balance to Limits): Inquiries / New Credit: Public Records: To what were credit history issues due? □ FINANCIAL MISMANAGEMENT □ EXTENUATING CIRCUMSTANCES Credit History (use 1 for 30 days, 2 for 60 days, 3 for 90 days) Currently Delinquent Delinquencies Prior 1–12 Months Delinquencies Prior 13-24 Months Delinquencies 25+ Months Housing Installment Revolving Other Bankruptcy Discharge date Financial Mismanagement Extenuating Circumstances Foreclosure Date Deficiency Yes $ No Financial Mismanagement Extenuating Circumstances All of the below must be input in the system and/or in the loan file. Risk & Comp Factor Analysis Risk Factors Comp Factors Borrower’s Explanation and Documentation for Risk Factors Decisioning Logic* *It is important to include comments that address whether explanations and supporting documentation in the file corresponds to the timeframe in which derogatory credit items occurred.