I do loan review and have never been trained in underwriting so I am not certain what is accepted when calculating D/R.

When a customer has an credit card where the balance is paid monthly how is that figured in or is it. And secondly if the customer has credit card with a $10,000 limit but only $1,000 drawn do you calculated the payment on the outstanding balance or what the payment would be if fully funded?

The bank's loan policy should address this issue and it should be consistent for loan officers/underwriters in you institution.

I was looking for a standard in credit analysis, just to get an idea of what others are doing. I know what our policy states.

At our bank, not that it's the only/right way but it's what we do, if no payment is listed on the credit report we use 5% of the balance on a credit card.