Consumer Lending School

This two-day school is designed to prepare consumer lenders to meet two primary challenges. The first challenge is to originate loans to qualified consumer and residential borrowers and minimize collection problems and loan losses. The second challenge is to be in compliance at all times with ever-changing fair lending regulations.

Event Dates

Wednesday, June 8, 2022 to Thursday, June 9, 2022

Location

IBA Center for Professional Development
8425 Woodfield Crossing Blvd. Suite 155E
Indianapolis, IN 46240

Hotel

List of nearby hotels

Maps and Dining Options

Google Map

Registration

IBA Members

$595 first registrant

$450 for each additional registrant

Participation in IBA programs is limited to members, associate  members, and nonmembers from an eligible membership category  at applicable member or non-member rates. Surcharge of 100% for Non-Members.

Fees include, casebook, study materials, continental breakfast, lunch and refreshment breaks each day. 

Program Topics
  • Consumer Lending Environment
    • Review of Consumer Trends and Factors Affecting the Consumer
    • Review of Consumer Credit Outstanding & Review of Bankruptcy Trends
  • The Application Process
    • Best Practices during the Application Phase
    • Analyzing the Application for Consistency
    • Effective Interviewing Techniques
    • Regulatory Requirements Governing the Application Process
  • Credit Investigation
    • Understanding Credit Reports
    • Verification of Employment and Income Determining Qualifying Income
  • Credit Evaluation and Decision Process
    • Review the Six “C’s” 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
  • Review of the Major Lending Regulations including:
    • Regulation B
    • Regulation Z o RESPA
  • Consumer Loan Documentation Process Required to:
    • Identify the Borrower
    • Identify, Value and Protect the Collateral
    • Evidence the Debt
    • Attach the Collateral
    • Perfect the Collateral
  • Lending to the Self-Employed Borrower
    • Analyzing Income Tax Returns in Order to Convert Taxable Income into Cash Flow Required to Service Debt