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Event Profile

Seminar: Consumer Lending Institute (SL5460120)

Date(s):
September 13 — 16, 2020
Venue:
Embassy Suites - Bloomington
2800 American Boulevard West
Bloomington, MN 55431-1205 
Description:

If you decide to enroll in the certification testing after you register for the class, please contact a Community Banker University representative at 800-422-7285.

Make informed credit decisions by developing your ability to evaluate a consumer loan request. This program covers the application process, financial statement analysis, credit analysis, loan structure, compliance, documentation procedures and closing. Topics covered include:

Day 1:
  • Consumer loans compared to residential and business loans
  • The five C’s of credit
  • Consumer Financial Protection Bureau, state and FDIC rules & exams
  • Types of consumer loans
  • Bank and non-bank competitors and products
Day 2: 
  • Capacity / Cash Flow
            *Sources of income, gross up concept, non-recurring income
            *Impact of rental income and debt ratios
            *Tax return review and analysis
            *Contractual Indebtedness
            *Personal cash flow analysis
            *Qualified mortgage and ability to repay
            *Debt to income calculations  (Case studies)
 
Day 3:
  • Credit History
            *Review Experian, Trans Union and Equifax
            *Impacts to a credit score
            *Credit scoring models for loan approvals, examples, pros/ cons
            *Pricing scoring models, examples, pros and cons
  • Collateral
            *Types, regulatory loan to value
            *Doc checklist examples and review
  • Loan policies and procedures 
  • Loan application review and decisioning (group projects)
  • Improving consumer loan sales & best practices
  • Loan compliance
  • Regulatory hot topics
Day 4: 
  • Bank troubles and issues (examples)
  • Class summary & wrap-up
  • Certification exam

Start Time: 2:00pm Day One
End Time: 12:30pm Day Four

Who should attend: All community bank personnel with consumer lending responsibilities

27 CPE Credits

Program Level: Intermediate
Prerequisites: No previous experience and training necessary.
Delivery Method: Group-Live
Field of Study: Specialized Knowledge

Fee
ICBA Member: $1,295 (with testing fee $1,420)
Nonmember: $1,695 (with testing fee $1,920)
Nonbanker: $2,095 (with testing fee $2,320)

Certification Testing Fee
ICBA Member:
$125
Nonmember: $225

Certification Designation: Certified Community Bank Consumer Lender (CCBCL)

Hotel Information: Embassy Suites by Hilton Bloomington Minneapolis
Room Rate: $165
Cutoff Date: 8/15/2020

To make your hotel reservation and secure the negotiated room rate:

Phone: Call 952-884-4811 or 1-800-Embassy. Ask for Group: ICBA: Consumer Lending Institute

NOTE: The hotel may not be ready to take reservations until January 2020.

 

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Registration, attendance or participation in an ICBA event constitutes an agreement by the participant to ICBA’s use and distribution (both now and in the future) of the participant’s image and/or voice in photographs, videos, digital media, electronic reproductions and audio files/recordings of and at such events and activities.

 

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