Consumer Lending Institute

Bank Security Square

Consumer Lending Institute

Sep 10 - Sep 13, 2023 | Live Seminar

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:

  • 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

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.

Information (Central Time unless otherwise noted)
Sunday, September 10

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

Monday, September 11

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.

Tuesday, September 12

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, September 13

8:30 a.m. – 11:30 a.m.

  • Compliance Training: Reg B, Fair Lending, FCRA, Reg Z, RESPA, Military Lending Act, Flood, HMDA 

Monday, September 18
Certification Exam

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

Printable Registration Form

Attendance/Cancellation Policy:

  • Registration fee is valid only for the individual registered. Each attendee must register.
  • Full payment is required prior to event attendance.
  • 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 once the bank has received event materials or after the event start date.
  • All rights are reserved by ICBA. No recording or distribution of the content is permitted unless expressly agreed by ICBA.

For more information, call 800-422-7285.

Embassy Suites Minneapolis Airport

7901 34th Ave S

Bloomington, MN 55425

ICBA Room Rate: $169 until September 6, 2023

ICBA Booking Link

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) 

Bob Page

Bob Page

Community President

SouthState Bank

Mandy Snyder

Mandy Snyder

VP, Online Training, Products, and Compliance


Code of Conduct

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.

Read Full Policy

Suitcasing Policy

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.