. ▁ ▁Bank ▁under writing ▁In ▁bank ing , ▁under writing ▁is ▁the ▁detailed ▁credit ▁analysis ▁preceding ▁the ▁grant ing ▁of ▁a ▁loan , ▁based ▁on ▁credit ▁information ▁furn ished ▁by ▁the ▁bor ro wer ; ▁such ▁under writing ▁falls ▁into ▁several ▁areas : ▁ ▁Cons umer ▁loan ▁under writing ▁includes ▁the ▁ver ification ▁of ▁such ▁items ▁as ▁employ ment ▁history , ▁sal ary ▁and ▁financial ▁statements ; ▁public ly ▁available ▁information , ▁such ▁as ▁the ▁bor ro wer ' s ▁credit ▁history , ▁which ▁is ▁detailed ▁in ▁a ▁credit ▁report ; ▁and ▁the ▁l ender ' s ▁evaluation ▁of ▁the ▁bor ro wer ' s ▁credit ▁needs ▁and ▁ability ▁to ▁pay . ▁Ex amples ▁include ▁mort g age ▁under writing . ▁Com mer cial ▁( or ▁business ) ▁under writing ▁consists ▁of ▁the ▁evaluation ▁of ▁financial ▁information ▁provided ▁by ▁small ▁business es ▁including ▁analysis ▁of ▁the ▁business ▁balance ▁sheet ▁including ▁tang ible ▁net ▁worth , ▁the ▁ratio ▁of ▁deb t ▁to ▁worth ▁( le verage ) ▁and ▁available ▁liquid ity ▁( current ▁ratio ). ▁ ▁Analysis ▁of ▁the ▁income ▁statement ▁typically ▁includes ▁re venue ▁tr ends , ▁gross ▁margin , ▁profit ability , ▁and ▁deb t ▁service ▁coverage . ▁ ▁Under writing ▁can ▁also ▁refer ▁to ▁the ▁purchase ▁of ▁corpor ate ▁b onds , ▁commercial ▁paper , ▁government ▁se cur ities , ▁municipal ▁general - ob lig ation ▁b onds ▁by ▁a ▁commercial ▁bank ▁or ▁deal er ▁bank ▁for ▁its ▁own ▁account ▁or ▁for ▁res ale ▁to ▁invest ors . ▁Bank ▁under