Consumer Lending Institute - In Person


Sep 11 - Sep 14, 2022

Consumer Lending Institute - In Person

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. This institute will be held in-person. The location is to be announced.

Topics covered include:

  • Consumer banking overview, lending application and underwriting
  • Consumer underwriting-tax returns, scoring and credit analysis
  • Credit report analysis
  • Consumer lending-structure, documentation, pricing, compliance and collections
  • Consumer products-direct lending, indirect lending and deposit
  • Portfolio management-credit quality issues

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.

Sunday, Sept. 11

1:30 p.m. – 2:00 p.m.
2:00 p.m. – 5:30 p.m.
  • Introductions
  • Five C’s of Credit
  • Regulations & Regulatory Agencies
  • Consumer Lending Products
  • Bank and Non-Bank Companies
  • The Credit Process Cycle
  • Consumer Loan Summary – Credit Approval
  • Income Analysis Basics
Monday, Sept. 12

8:30 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

Noon – 1:00 p.m.

Tuesday, Sept. 13

8:30 a.m. – 5:00 p.m.

  • Collateral
  • Lien Rights, Types, and Documents
  • Document Checklists
  • Loan Document Review
  • Loan Policy
  • Scoring Models
  • Pricing Models
  • Consumer Sales Strategies
Noon – 1:00 p.m.
Wednesday, Sept. 14

8:30 a.m. – 11:30 a.m.
  • Compliance Training: Reg B, Fair Lending, FCRA, Reg Z, RESPA, Military Lending Act, Flood, HMDA Best Practices

ICBA Member: $1,395 (with testing fee $1,595)
Nonmember: $1,795 (with testing fee $2,095) 
Nonbanker: $2,195 (with testing fee $2,595)

Certification Testing Fees:
ICBA Member: $200 
Nonmember: $300 
Non-Banker: $400

NOTE: Full payment is required prior to attendance. For more information call 800-422-7285.

The Consumer Lending Institute will be held at the:

Embassy Suites by Hilton Minneapolis Airport Hotel

7901 34th Ave S.

Bloomington MN 55425


If making your reservation by phone, mention the ICBA group name and code: ICBA Consumer Lending Institute/ICL to secure the ICBA preferred room rate of $164. 


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.

Bob Page
Bob Page

Community President

SouthState Bank

Mandy Snyder
Mandy Snyder

Vice President, Online Training, Products, and Compliance


Who Should Attend: All community bank personnel with consumer lending responsibilities    
Prerequisites: Basic knowledge of consumer lending
Advanced Preparation: Recommended - Complete complimentary online course sent upon registration
Program Level: Intermediate 
Field of Study: Specialized Knowledge

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.