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April 2019
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Registration Open for 2015 Comprehensive Lending Seminar
Friday, April 24, 2015 6:25 AM

Today is an excellent time for anyone needing or looking to borrow. With loan rates at historic lows, the time is optimal for borrowing. Financial institutions offering consumer loans must be able to effectively discuss the loan products they offer. But consumer lending is not a skill one learns quickly. It takes time and practice.

Little Rock, July 28-29
Early Bird Deadline: July 7
Arkansas Credit Union Association
Little Rock, AR 72201

The 2015 Lending Seminar covers a broad spectrum of information on consumer lending. Here are some of the topics this educational opportunity will cover:

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

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.

Your Presenter:  John Baptista

John Baptista combines more than 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.

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.