Advanced Consumer Lending - Process, Best Practices, 6Cs of Credit, Loan Structuring and Pricing

Duration: 90 Minutes
This training program will introduce the consumer lending process from the initial application to closing and documentation. Proper analysis of consumer loan requests is more important today than any time in the history of banking as a result of the current economic environment worldwide which has left many consumers in a weaker financial condition than in the past. For this reason and the need for banks to continue growing the consumer loan portfolio safely, it is important for bankers to adjust their lending practices to insure the next consumer applicant is not becoming overextended and unable to meet their obligations.
Consumer Lending Process
Instructor: Robert Hawkins
Product ID: 501411
Objectives of the Presentation
  • Enhanced Credit Underwriting Skills in Consumer Lending
  • Early Recognition of Potential Problem Loans
  • Lower Past Due Loans and Loan Losses
  • Enhanced Understanding of Lending Regulations
  • Ability to Analyze an Income Tax Return
Why Should you Attend
This webinar will follow the steps necessary to succeed in consumer lending including the: application, interview, investigation, evaluation, decision, regulation and documentation. The method of instruction will include visual presentations and case studies to reinforce the concepts presented in the course. Attendees will also be introduced to the consumer lending process - from the initial application to closing and documentation.

Areas Covered
  • The Application Process
  • Best Practices During the Application Phase
  • Analyzing the Application for Consistency
  • Effective Interviewing Techniques
  • Credit Evaluation and Decision Process
  • Review the 6Cs of Credit
  • Analyzing Personal Financial Statements
  • Calculating the Debt to Income Ratios
  • Evaluating Non-Financial Factors that May Impact the Consumer
  • Proper Consumer Loan Structuring and Pricing
Who can Benefit
  • Commercial Loan Officers
  • Consumer Loan Officers
  • Credit Analysts
  • Loan Review Personnel
  • Compliance Officers
  • Internal Auditors
  • Branch Managers
  • Credit Administration
  • Loan Operations Staff
$300
Recorded Session for one participant
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  $450.00 Training CD
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  $550.00 Training USB Flash Drive
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Live Session - How it works
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  • Login to the audio conference on the scheduled date and time
  • Get answers to your queries through interactive Q&A sessions via chat at the end of the session
  • Download the Certificate of Attendance and Purchase Invoice from your OCP Account 24 hours after the completion of the session
  • Please let us know your thoughts and views at the end of the webinar, your valuable feedback will help us improve
Recorded Session - How it works
  • Login to onlinecompliancepanel with your registered username and password https://www.onlinecompliancepanel.com/login
  • Upon purchase of the recorded session a link will be updated on your OCP Account within 24 hours
  • Please click on the link to access the Recorded Session
  • Presentation handouts in downloadable PDF format will be updated on your OCP Account within 24 hours of the purchase of the product
  • Download the Certificate of Attendance and Purchase Invoice from your OCP Account after 48 hours of the product Purchase
  • Please share your valuable Feedback at the end of the session
Instructor Profile:
Robert D. Hawkins Robert began his banking career at Compass Bank (now BBVA) as a management trainee in 1978. After completing the training program, he was assigned to a branch location as an assistant branch manager and a small business lender. In May 1981, Robert joined the Federal Reserve Bank of Atlanta as an assistant bank examiner. He received his "Commission" in 1985 and was promoted to senior examiner in 1991. In the latter role, Robert led supervisory events at the District's largest and most complex banking organizations. On three occasions, he was chosen by the senior officer group to participate in the "Shared National Credit Program" which is a joint, interagency initiative that was created to evaluate and assign the appropriate risk ratings to credits, $20 million and above, shared by two or more financial institutions.

In the spring of 1994, Robert joined a community banking organization as the senior credit officer. In the role, he chaired the officers' loan committee, enforced lenders compliance with the bank's credit policy, managed special assets, and collection and recovery efforts. Robert returned to the Reserve Bank in the summer of 1998. In 2001, he was promoted to Director of Examinations and formed the Community Bank Risk Team. In 2004, Robert was promoted to Assistant Vice President in Community Bank Supervision. In this role, he supervised three examination teams, 25 banks and a myriad of bank-holding companies. Robert served as an instructor for the Federal Reserve Board of Governors' Credit Risk Analysis School and he was a frequent panelist and speaker at forums hosted and sponsored by the Community Bankers Association of Georgia.
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