2025 IBA Consumer Credit School

PURPOSE AND PHILOSOPHY
The purpose of the IBA Consumer Credit School is to prepare consumer credit personnel who want to broaden their consumer credit knowledge or who have not been exposed to formal consumer credit education to serve effectively and profitably as consumer credit officers by:

• Developing a better understanding of the consumer credit function as an integral part of retail banking and a vital source of bank income;
• Deepening the comprehension of the managerial aspects of consumer credit operations, especially how the bank’s loan portfolio can be managed to increase profitability and improve competitive positioning; and
• Refining the administrative and human relations skills students will need to manage the assets of their banks and meet the credit needs of their customers.

Topics to be covered:

•  INTRODUCTION TO CONSUMER LENDING
•  THE CONSUMER LENDING MARKET
•  DIRECT LENDING
•  INDIRECT LENDING
•  OPEN-END, REVOLVING CREDIT PRODUCTS
•  FORMULATING A CONSUMER LOAN POLICY
•  GENERATING LOAN APPLICATIONS
•  CREDIT INVESTIGATION
•  CREDIT EVALUATION AND DECISION MAKING
•  LOAN PRICING AND PROFITABILITY
•  SELLING AND LOAN STRUCTURING
•  LOAN DOCUMENTATION AND CLOSING
•  COLLECTION AND RECOVERY
•  CONSUMER COMPLIANCE