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Event Profile

Seminar: Consumer Lending Institute (SL5460120)

September 13 — 16, 2020
Embassy Suites - Bloomington
2800 American Boulevard West
Bloomington, MN 55431-1205 

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

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:
Nonmember: $225

Certification Designation: Certified Community Bank Consumer Lender (CCBCL)

Hotel Information:
Room Rate: $165
Cutoff Date: 8/15/2020

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

Online: Embassy Suites by Hilton Bloomington Minneapolis

Phone: Call 952-884-4811 or 1-800-Embassy. Ask for Group: ICBA: Consumer Lending Institute or CL1


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.


Mr. Robert L. Page
Organization: CenterState Bank, National Association

Mrs. Mandy Snyder, CCBCO
Organization: Independent Community Bankers of America

Sessions information is not available at this time.

Track information is not available at this time.

Sponsor information is not available at this time.