Consumer lending entails more than just looking at a credit score, especially given the turbulent credit environment. A lender must look beyond the score and objectively judge each credit on a case-by-case basic. Learn how to evaluate credit bureau reports, calculate debt ratios, review personal financial statements, and consider unsecured lending standards using case analysis and classroom discussion.
- : Using a judgment-based decision process to underwrite consumer credit applications fairly and effectively.
- When and how to use your judgment on those close calls, and why documenting your decision is so important.
- When to ask for them, and how to interpret them to get an accurate overall picture of an applicant’s financial status.
- When to ask for them, how to analyze a small business owner’s tax returns, and understanding the difference between listed taxable income and actual cash income.
- How to read them, how to evaluate them, and legal hassles you will want to avoid.
This program is designed for new or experienced consumer lenders, loan review personnel and support staff.
The course is presented by Credit Risk Management, LLC, the pre-eminent Community Bank consulting firm in the Southeastern United States. Credit Risk Management has over 175 client banks and provides a wide range of products, services, and advice to assist those banks in achieving the best possible balance of fundamental risk, competitive pressure and substantial regulatory scrutiny. No matter what type of Community Bank commercial lending scenario might arise, Credit Risk Management has seen it and solved it. Credit Risk Management has partnered with the ABA for several years.
Student notebooks containing curriculum materials are provided at registration. Attendees register on Tuesday, September 18 from 8:30 a.m. until 9 a.m. Classes will begin at 9 a.m. and end at 4 p.m. each day.
The registration fees for this two-day program is $395 before August 1 and $425 after August 1 for The Alabama Bankers Association members and $695 before August 1 and $725 after August 1 for nonmembers. Registration fees include instruction, materials, refreshments and lunch.
Full registration fees will be refunded if a cancellation is received on or before ten business days prior to the program. If date of cancellation is less than ten business days prior to the program, a $100 processing fee will be retained. No refunds will be given the day of the program. Substitutions are welcome. All cancellations and substitutions must be received in writing.
Dress for the program is business casual. To ensure your comfort, please bring a jacket or sweater. If you need additional information, please contact The Alabama Bankers Association office, (334) 834-1890 by email at info@alabamabankers.org.
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