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Baptista Leads 2015 Lending Seminar
Wednesday, May 6, 2015 6:20 AM

The 2015 Lending Seminar—Comprehensive 101, covers a broad spectrum of information on consumer lending. You'll have the opportunity to attend one of two seminars—one in Little Rock, July 28-29, and the other in Dallas, Oct. 20-21.

Your presenter, John Baptista, will lead attendees through the following lending topics:

Day One – Stepping into Consumer Lending

  • The philosophy of consumer lending
  • The role of regulations and compliance
  • The terminology of consumer lending
  • The two lending equations necessary for a solid loan decision
  • The two most important financial reports
  • The application process and application types
  • The documents associated with the credit investigation
  • The decision process and why the letter "C" is most important
  • The 4 types of collateral and how they relate to loan amount
  • Understanding the different types of consumer loan products
  • Understanding credit scores

Day Two – Going Up

  • The role one’s values play in lending
  • How to effectively communicate with members during the loan interview
  • Ethics and the role it plays in lending
  • Risk-based lending and how loan products are priced
  • A new market for consumer loans
  • Techniques to build member relationships using a consumer loan application
  • Information on credit reports and how to read them
  • The red flags and challenges associated with lending
  • Make decisions on sample credit applications

Baptista comes with 35 years in the financial industry, including 30 years in management and over three decades as a trainer and consultant. His lifetime of customer relations and real world experiences provide a new learning dimension to each of his programs and training seminars.

The program is geared for a variety of employees, from novices to those somewhat more advanced. Those starting out will benefit most by attending both sessions. For those with a greater degree of experience, the second day will cover more advanced topics.

More information and Registration

Call 800-442-5762 ext. 6639 or 469-385-6639 or email Cristina Lau at

Grant Assistance
The Cornerstone Credit Union Foundation is accepting grant applications for League training events based on financial need. Applications must be received by application deadlines. Please visit the Foundation’s website to view all grant applications, guidelines and deadlines. Contact Emily Moreno, foundation grants manager, at 469-385-6483 for more information.