Consumer Lending Institute

Lending Square

Consumer Lending Institute

Sep 24 - Sep 26, 2024 | Livestream Institute

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.

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 an ICBA Education representative at 800-422-7285.

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

Information (Central Time unless otherwise noted)
Tuesday, September 24

9:00 – 5:00 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

Wednesday, September 25

9:00 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.

Thursday, September 26

9:00 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

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


Noon – 1:00 p.m.

Friday, September 27
Certification Exam - Held via ICBA online portal for those enrolled in the CCBCL certification program.

9:00 a.m. – 10:00a.m.


ICBA Members: $1,699

Non-Members: $2,199

Non-Bankers* : $2,699

Certification Testing Fee: $500

Printable Registration Form

*Attendance may be subject to ICBA approval.

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.

This event is not recorded. For more information, call 800-422-7285.

Livestream Seminar

Upon registration you will receive an email from ICBA confirming your registration, the dates of the event and a calendar invitation for the event. Approximately 1-2 weeks prior to the event start date, you will receive an email from an ICBA representative containing detailed information including event times and the meeting link.

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

CPE Credit Hours: 25.5

Certification Offered: Certified Community Bank Consumer Lender (CCBCL)

Bob Page
Bob Page

Community President

SouthState Bank

Jenny Forschen
Jenny Forschen

Education Content and Compliance Specialist


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 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.