2015 Lending Seminar

Comprehensive Lending 101 - Getting Better at What You Do!

Historically the American way has been buy today, pay tomorrow. However, since 2008 that philosophy has begun to change. Consumers are seeing the mentality of borrow, borrow, borrow, can be dangerous and can lead a person into financial disaster. Despite the change, there is still a need for any financial institution to offer consumer loans and to be able to effectively discuss the consumer loan products they offer. Today is an excellent time for anyone needing or looking to borrow. With loan rates at historical lows, the time could not be any better for borrowing.

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”

Topics to be covered include:

  • The Philosophy Of Consumer Lending And Why It Is Offered
  • 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”

Topics to be covered include:

  • 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

Bring a calculator, your organizations blank consumer loan applications, and be prepared for a down to earth exploration on consumer credit. Whether one is just starting out or wants a refresher, this program will benefit them. Participants will be able to share ideas with others with different experience levels.

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

Little Rock, July 28-29

Early Bird Deadline: July 7
Arkansas Credit Union Association
1023 W. Capitol Ave.
Little Rock, AR 72201
Lodging Offers

Dallas, October 20-21

Early Bird Deadline: October 6
Cornerstone Credit Union League
4455 LBJ Freeway, 10th Floor Boardroom
Farmers Branch, TX 75244
Lodging Offers

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 am - Noon Session
Noon - 1:00 p.m. Networking Lunch (provided)
1:00 p.m. - 4:00 p.m. Session

*includes two refreshment breaks

Presenter - John Baptista

John Baptista’s experience combines over 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. He is an alumnus of the University Of Southern California and the University of San Diego.

His training style is described as, “down to earth”, “refreshing and engaging with a practical approach to teaching”. This 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.”

CPE Credits

Certified Public Accountants (CPAs) may earn continuing education credits (CPE) in accordance with each state’s Board of Public Accountancy standards and guidelines:

Arkansas CPAs

Oklahoma CPAs

Texas CPAs - The Cornerstone Credit Union League is registered with the Texas State Board of Public Accountancy (TSBPA) as a sponsor of continuing professional education on the State Registry of CPE Sponsor. Certified Public Accountants (CPAs) may earn up to 6.5 continuing education credits (CPE) for each seminar. No advance preparation or prerequisites are required. The state board of accountancy has final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to: Texas State Board of Public Accountancy/333 Guadalupe - Tower 3, Suite 900/Austin, TX 78701-3900

Administrative policies, such as complaint or refund, please contact the league at 800-442-5762 ext. 6634.

Educational Investment

Fee Per Person/Per Day

Early Bird - $299
Regular Rate - $349

Walk-ins accommodated on a space available basis. Your investment includes instruction, extensive handouts, continental breakfast, networking lunch, and two refreshment breaks.

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. 6639 or 469-385-6639 or email Cristina Lau at clau@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.