Event Registration
Introduction to Consumer Lending Webinar Series
Registration Instructions/Fees:
Class Agenda
Day 1
- Current Consumer Lending Market Conditions
- Economic Conditions
- Interest Rates, Inflation Effects
- Unemployment
- Minimum Wage
- Living Wage (discussion of Personal Living Expense methodology)
- Competition
- How to Compete and Win against Fintech
- Delivery Channels
- Direct Lending Products Offered
- Indirect Lending
- Digital Delivery & Technology
- Generating Applications
- Current Marketing Trends
- Branch Utilization
- Idea Exchange
- The Consumer Lending Process
- Application Process
- Asking the ‘Right’ Questions
- For the Transaction at-hand
- For Cross-sell Opportunities
- PRACTICE CASE (PFS and Net Worth Analyses)
- Application & Credit Investigation
- Demographics
- Residency
- Income & Employment
- Warning Signs
- Handling Counter-offers & Declination
- Credit Evaluation & Decision-Making
- 5 C’s of Credit
- Credit Scoring Models
- Sources of Information
- Credit Bureau(s)
- Tax Returns
- Validating the Application’s Information
- Global Cash Flow Form (with business, investment income)
Day 2
- Loan Policy & Loan Structuring
- Consumer Loan Policy and Procedures
- Loan Review
- Unsecured (Revolving & Term Loans)
- Secured – Personal Property
- Secured – Real Estate
- Residence vs. Investment Property
- HELOCs
- Credit Enhancement
- Guaranties
- Insurance Protection (Credit Life, Disability, Gap Insurance)
- Collateral Valuation & Recovery
- Attachment and Perfection
- Vehicles, RVs, Boats, Aircraft
- Real Property
- Other Personal Property
- Property & Casualty Insurance
- Loan Documentation
- Promissory Note
- Security Agreement
- Deed of Trust / Mortgage
- Assignments
- Notices
- Loan Pricing & Profitability
- Loan Pricing Models
- Risk-based Pricing
- Relationship-based Pricing
- Evaluating Profitability
- Collections & Recovery
- Delinquency Causes
- Collection Cycle
- Personal Bankruptcy
- PRACTICE CASE (GCF and Tax Return Analyses)
Day 3
This session will cover consumer lending compliance basics including:
- Fair lending aspects of taking & processing an application
- Regulation B signor rules
- Permissible purposes to obtain a credit report
- Overview of consumer lending disclosure requirements
- Adverse action notice requirements
- And more!
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Before 02/22/21 |
On or After 02/22/21 |
| Member | $220.00 | $240.00 |
| Non-Member | $440.00 | $480.00 |
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