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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.
Learning Objectives:
To earn the Certified Community Bank Consumer Lender (CCBCL) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam(s).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.
1:30 – 2:00 p.m.
2:00 – 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
8:30 a.m. – 5:00 p.m.
Rental Income Analysis
Case Study
Info- How to Pull Qualifying Income for Tax Returns
Consumer Loan Income Worksheet
Credit Bureaus/Review
Scoring Models
Pricing Models
Noon – 1:00 p.m.
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.
8:30 a.m. – 11:30 a.m.
Compliance Training: Reg B, Fair Lending, FCRA, Reg Z, RESPA, Military Lending Act, Flood, HMDA
10:00 a.m. – 11:00 a.m.
Held via ICBA online portal for those enrolled in the CCBCL certification program.
Note - If you do not pass exam(s), you will have the opportunity to retake the exam(s) at a future, quarterly re-take date. More information will be provided upon registration.
ICBA Members: $1,699
Non-Members: $2,199
Non-Bankers: $2,699
Certification Testing Fee: $500
For more information, call 800-422-7285.
7901 34th Ave S
Bloomington, MN 55425
ICBA Room Rate: $169 until September 6, 2023
Hotel Housing Scam Warning: Only make your room reservation using the information provided by ICBA. Do not do business with any company that claims they are with ICBA or working for ICBA as the official housing service. Contact ICBA if you have any questions or concerns.
Who should attend: All community bank personnel with consumer lending responsibilities
Prerequisites: Basic knowledge of consumer lending
Advanced Preparation: None
Program Level: Intermediate
Field of Study: Specialized Knowledge
Delivery Method: Group Live
CPE Credit Hours: 25.5
Certification Offered: Certified Community Bank Consumer Lender (CCBCL)
Community President
SouthState Bank
VP, Online Training, Products, and Compliance
Minnesota
Registration, attendance, or participation at this event constitutes an agreement to adhere to the ICBA code of conduct and complaint policy. ICBA aims to be welcoming, safe, and inclusive to all participants, with the most varied and diverse backgrounds possible.
As such, The Independent Community Bankers of America (“ICBA” or the “Association”) has adopted a zero-tolerance policy toward all forms of unlawful discrimination and harassment.
Suitcasing is the act of soliciting business by non-exhibiting companies in the during the event or in other public spaces, including another company's booth, a convention center, or a hotel lobby. It is ICBA event management’s objective to do everything legally possible to protect its exhibitors and community banker attendees from suitcasing.