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


Instructor: Robert D Hawkins
Product ID: 704502
Training Level: Intermediate

  • Duration: 60 Min
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.
Last Recorded Date: May-2016


$50.00 $199.00 (74%)SAVE: $149.00
1 Person Unlimited viewing for 6 month info Recorded Link and Ref. material will be available in My CO Section
(For multiple locations contact Customer Care)

$149.00 $399.00 (62%)SAVE: $250.00
Downloadable file is for usage in one location only. info Downloadable link along with the materials will be emailed within 2 business days
(For multiple locations contact Customer Care)



Customer Care

Fax: +1-650-362-2367

Email: [email protected]

Read Frequently Asked Questions

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 :



Refund Policy

Our refund policy is governed by individual products and services refund policy mentioned against each of offerings. However in absence of specific refund policy of an offering below refund policy will be effective.
Registrants may cancel up to two working days prior to the course start date and will receive a letter of credit to be used towards a future course up to one year from date of issuance. ComplianceOnline would process/provide refund if the Live Webinar has been cancelled. The attendee could choose between the recorded version of the webinar or refund for any cancelled webinar. Refunds will not be given to participants who do not show up for the webinar. On-Demand Recordings can be requested in exchange. Webinar may be cancelled due to lack of enrolment or unavoidable factors. Registrants will be notified 24hours in advance if a cancellation occurs. Substitutions can happen any time. On-Demand Recording purchases will not be refunded as it is available for immediate streaming. However if you are not able to view the webinar or you have any concern about the content of the webinar please contact us at below email or by call mentioning your feedback for resolution of the matter. We respect feedback/opinions of our customers which enables us to improve our products and services. To contact us please email [email protected] call +1-888-717-2436 (Toll Free).




6201 America Center Drive Suite 240, San Jose, CA 95002, USA

Follow Us

facebook twitter linkedin youtube


Copyright © 2023 MetricStream
Our Policies: Terms of use | Privacy

PAYMENT METHOD: 100% Secure Transaction

payment method