It is a great practice to call your new members through an indirect program and verify information. If their income seems high, even if you verified their income, ask them to verify it again over the phone. A credit union in NY recently discovered that their loan officer was working with a dealership in modifying proof of income and tax returns to get loans approved. The said loan officer approved over 1 million dollars in indirect loans that are starting to go bad. He faces up to 25 years in jail.