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

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.

Learning Objectives:

• 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

Areas Covered in the Webinar:

• 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 Will Benefit:

• Commercial Loan Officers
• Consumer Loan Officers
• Credit Analysts
• Loan Review Personnel
• Compliance Officers
• Internal Auditors
• Branch Managers
• Credit Administration
• Loan Operations Staff

Instructor Profile:

Robert Hawkins began his banking career at Compass Bank (now BBVA) as a management trainee in 1978. In May 1981, he 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, Mr. Hawkins 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 2004, he 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. He served as an instructor for the Federal Reserve Board of Governors’ Credit Risk Analysis School and he was a frequent panelist and speaker. He retired from the Reserve Bank recently.

Follow us :