TOPIC: Loans

COVID-19 and verifying employment for TRID loans

Manager at a bank ($268MUSA)
How is everyone handling the Employment Verification on TRID loans with the current layoffs and decrease in hours.  We currently Verbally Verifiy Employment within 10 days of closing a TRID loan.  Has anyone had an instance where you completed a VVOE within 10 days but then the borrower is laid off or hours decreased two days before closing.  Did you close the loan if the new circumstances (lower income) did not meet the threshold for debt to income?