Consumer Lending Institute Information


Sep 13 - Sep 16, 2021


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.

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.

All times stated are Central Time.

Monday, Sept. 13

9:00 a.m. – 5:00 p.m.

  • The Five C’s of Credit
  • Regulations and Regulatory Agencies
  • Consumer Lending Products
  • Bank and Non-Bank Competitors
  • The Credit Process Cycle
  • Consumer Loan Summary—Credit Approval
  • Income Analysis Basics
Tuesday, Sept. 14

9:00 a.m. – 5:00 p.m.

  • Rental Income Analysis
  • Case Study
  • Info—How to Pull Qualifying Income from Tax Returns
  • Consumer Loan Income Worksheet
  • Credit Bureaus/Review
  • Scoring Models
  • Pricing Models
Wednesday, Sept. 15

9:00 a.m. – 5:00 p.m.

  • Compliance Training: Reg B, Fair Lending, FCRA, Reg Z, RESPA, Military Lending Act, Flood, HMDA
  • Best Practices
  • Collateral
  • Lien Rights, Types, and Documents
  • Document Checklists
  • Loan Document Review
  • Loan Policy
  • Scoring Models
  • Pricing Models
  • Consumer Sales Strategies
Thursday, Sept. 16

9:00 a.m. – 10:00 a.m.

  • Certification Exam

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 Fees:
ICBA Member: $125
Nonmember: $225
Nonbanker: $225


Certified Community Bank Consumer Lender (CCBCL)

CBU_0710A19_Certification eBadging Icons_CCBCL

Designation: Certified Community Bank Consumer Lender (CCBCL)

Requirement: Attend Consumer Lending Institute; obtain (15) Continuing Professional Education credits every two years thereafter.

This program addresses the consumer lending decision and making sense of each step by covering the application process, financial statement analysis, credit analysis, loan structure, compliance, documentation procedures and closing.

Mandy Snyder

Assistant Vice President, Online Training and Compliance


Who should attend: All community bank personnel with consumer lending responsibilities
Program Level:
Prerequisites: No previous experience and training necessary.
Delivery Method: Group-Live
Printable Registration Form

If registration is cancelled more than 30 days prior to the event start date, you will receive a full refund. If cancellation is within 30 days prior to the event start date, 20 percent of the registration fee paid will be deducted for costs. A substitute registration will be accepted. No refunds will be issued after the event start date.

Attendance at all ICBA programs will be considered on a first come, first served basis. If the program is cancelled, ICBA’s liability is limited to the registration fee. For additional questions contact ICBA at 800-422-7285.

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.

This live digital course is for educational purposes only and intended only for participants of the class/event. All rights are reserved by ICBA. No recording or distribution of the content is permitted unless expressly agreed to by ICBA.