2017 Lending Seminar

The ABC's of Consumer Lending

Working in a financial institution, individuals discover quickly how much there is to learn. With constant changes in regulations and technology, credit unions are challenged to just keep up. This program provides a solid foundation for lending staff by focusing on the ABCs of Consumer Lending.

And you know why. Members want to know their credit union has knowledgeable employees on staff that they can rely on to provide solid answers vs. vagaries and excuses. This program sets the foundation for new lending professionals and guides them toward becoming the experts their members can trust.

This program introduces you to the fundamentals of consumer lending. Topics to be covered include:

  • The Challenges of the Loan Interview
  • Is an Application Is Complete and What Is Absolutely Needed?
  • Understanding Lending Mathematics
  • Techniques to Build Member Relationships with Loan Products
  • Using and Understanding Best Practices in the Consumer Loan Process
  • Effectively Communicating with Members During the Loan Interview
  • Underwriting Consumer Loans - The Decision Processes
  • Structuring Loans
  • Why the Letter “C” Is Most Important
  • The Red Flags Associated with Lending and Questions One Must Ask
  • The 4 Types of Collateral and How They Relate to Loan Amount

Bring a calculator, your organizations blank consumer loan applications, and be prepared for a down to earth exploration on consumer credit. Don’t miss this opportunity to build or assure you understand the ABC’s of Consumer Lending.

Who Should Attend?

This program is geared for employees starting out in consumer lending.

Date & Location

Houston, September 28

Early Bird Deadline: August 25
Member Source Credit Union
10100 Richmond Ave.,
Houston, TX 77042
Lodging Options

Business casual dress is appropriate. Bring a jacket or sweater as room temperatures vary.


8:30 a.m. - 9:00 a.m. Registration & Continental Breakfast
9:00 a.m. - 12:00 p.m. Session
12:00 p.m. - 1:00 p.m. Lunch (provided)
1:00 p.m. - 4:00 p.m. Session

*includes two refreshment breaks

Presenter - John Baptista

John Baptista

John Baptista Jr., knows the financial industry and the business world. John left the world as a commercial banker and entered the private business sector. Having the financial background made the transition to being a successful business owner an easy one.

As a trainer and consultant, his background links his experiences to be a highly sought after speaker. With a strong knowledge of customer relations and “real world” experiences, he brings a unique learning dimension to each of his programs. He is an alumnus of the University of Southern California and the University of San Diego.

As an award winner in the area of customer service and as the youngest branch manager in the history of one of the largest California Banks, he recognized early the importance of customer service.

His training style is described as, “down to earth, refreshing and engaging with a practical approach to education”.  He takes the text book and transforms it to the real world using a variety of teaching techniques and methods. From lap tops and I pads, and the use of the internet or webinars, all participants can relate.

This allows individuals to learn skills they can readily use. By being constantly in tune with the issues of today, he relates to all generations. From Millennials to Baby Boomers, his uncanny ability to make participants feel at ease makes his programs extremely interactive, with participants opening-up and being actively involved.

A client writes "John is an exceptional communicator and facilitator, and is great at keeping attendees engaged. He not only knows his stuff, but can target his message to a variety of levels and personalities simultaneously! His style is proven to be different, unique and refreshing.  He consistently receives glowing remarks and outstanding evaluations!”

“His informal but informative programs make it both more enjoyable and easier for everyone to stay focused and engaged. He uses great ‘real world’ examples to emphasize key points. His programs are an effective blend of presentation and hands-on participation. 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.”

John states, that the motto of Impact Training & Consulting is, “Training That Makes A Difference”. He believes strongly that learning to be effective must result in the ability to apply what you have learned.  The result is his programs deliver just that; knowledge that is applied and facilitates change, which produces “Training That Makes A Difference!.”

Continuing Education Units

Requests for certificates of attendance are processed after the event. Contact Janine McBee, CUDE, Sr. Training Director at 800-442-5762 ext. 6634 or email jmcbee@cornerstoneleague.coop for additional information or questions.

Educational Investment

Fee Per Person

Early Bird Rate - $325
Regular Rate - $525

Walk-ins accommodated on a space available basis. Your investment includes instruction, extensive handouts, lunch, and refreshment break.

Registrant Cancellation Policy

Substitutions are always welcome. Registration fee refunds (less a $50 processing fee per person/per seminar) are granted for cancellations received in writing two weeks prior to the seminar.

Seminar Cancellation Policy

Locations with less than 20 registrants two weeks out may be cancelled. In the event of cancellation, all registrants will be notified.

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.


Call 800-442-5762 ext. 6635 or 469-385-6635 or email Cookie Dorsey at cdorsey@cornerstoneleague.coop.

If you have physical, medical or dietary needs requiring special attention, please contact us for proper arrangements to be made. For more information regarding administrative policies, such as complaint or refund, please contact us at 800-442-5762 ext. 6630.