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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.
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
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
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.
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.
9:00 a.m. – 10:00a.m.
ICBA Members: $1,699
Non-Members: $2,199
Non-Bankers* : $2,699
Certification Testing Fee: $500
*Attendance may be subject to ICBA approval.
This event is not recorded. For more information, call 800-422-7285.
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)
Community President
SouthState Bank
Education Content and Compliance Specialist
ICBA
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 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.