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Comprehensive Lending 101 - Get Better at What You Do!
Friday, November 13, 2015 6:25 AM

Comprehensive Lending 101 -

Consumers are seeing that the mentality of "borrow, borrow, borrow" can be dangerous and lead a person into financial disaster without savvy guidance from their financial partners—credit union lending professionals. Learn how to discuss your consumer loan products in a way that gives your members the opportunity to make informed decisions.

Consumer lending is not a skill one learns quickly. It takes time and practice. This program covers a spectrum of information on consumer lending. Participants will learn issues from the philosophy of consumer lending, all the way through how to make a solid loan decision that benefits both the member and the credit union.

Day One – Stepping into Consumer Lending:

  • The role of regulations and compliance on consumer lending
  • The terminology of consumer lending
  • The two lending equations to making a solid loan decision
  • Learning the two most important financial reports
  • Members preference usually differs from that of the credit union
  • The application process and the various application types
  • The various 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

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

Dates & Locations

Dallas, April 20-21

Early Bird Deadline: December 18
Cornerstone Credit Union League
Farmers Branch, TX 75244
More information and registration.

Little Rock, October 25-26

Early Bird Deadline: June 24
Arkansas Credit Union Association
Little Rock, AR 72201
More information and registration.

Your Presenter, John Baptista
Your presenter will be John Baptista, whose experience combines more than 35 years in the financial industry and more than three decades as a trainer and consultant. His training style allows individuals to learn skills they can readily put to use. 

A client writes, "John is an exceptional communicator and facilitator, and was great in keeping the attendees engaged. He not only knows his stuff, but is able to target his message to a variety of levels and personalities simultaneously! Perhaps the informality of his training helps to make it more enjoyable and easier for everyone to stay focused and engaged. He uses great “real world” examples to emphasize key points.”

A nationally recognized training company writes, "His workshops are an effective blend of presentation and hands-on participation. And his caring, energetic training style is a plus you'll appreciate. John brings laughter, fun, and most of all his ability to get others to learn.”

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