Consumer Loan Underwriting Fundamentals: Interviews, Credit Reports,
Compliance & Debt Ratios

(90-minute webinar – recording also available)

Tuesday, June 2, 2020

12:00 PM Pacific          1:00 PM Mountain

2:00 PM Central           3:00 PM Eastern

Are you a new consumer lender?  Do you know what questions to ask when visiting with a prospective borrower?  Are you confident in your loan decisions?  What if you have to say no?  Join this lively webinar to learn how to navigate the consumer lending process with confidence, from application to completion. 

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

• Ask the right questions during the initial loan interview
• Avoid getting ensnared in the most common fair lending traps
• Read and understand consumer credit reports
• Focus on key financial indicators for consistent, accurate, and efficient underwriting
• Graciously say “no” when a borrower does not qualify

WEBINAR DETAILS

Many financial institutions offer online loans, instant approval, and quick decisions. While these features appeal to many people (and your institution should consider these, too), many folks still prefer to talk to their lender face-to-face.  As a consumer lender, you will have countless opportunities to interact with people in your community as they try to finance the things they need and want.  This webinar will focus on a wide range of basic skills needed to be an effective consumer lender, including effective communication, listening, fair lending considerations, and analysis.  You will learn the essential questions to ask; important compliance trip hazards; when to say yes, no, or maybe; and how to represent your financial institution in a positive light, regardless of the outcome.

WHO SHOULD ATTEND?

This lively session is perfect for new and experienced consumer lenders and universal bankers.  Branch managers and personal bankers with lending authority will also benefit.

TAKE-AWAY TOOLKIT

• Annotated consumer loan application with comments and descriptions for every field
• Annotated adverse action
• Sample consumer credit report with useful notes
• Employee training log
• Interactive quiz

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     MEET THE PRESENTER - Larry Williams, Financial Education & Development, Inc.

Larry Williams is President and CEO of Financial Education & Development, Inc.  Prior to joining Financial Ed, Larry spent over 20 years in the financial industry specializing in lending, credit risk management, and developing others through mentoring and leadership.  Most recently, Larry served as Senior Vice President and Chief Lending Officer of a Montana-based financial institution.

Larry holds a bachelor’s in Business from the University of Montana and a graduate degree in Banking from Pacific Coast Banking School.  He is past president of the Western Montana Chapter of the Risk Management Association and serves as a director for NeighborWorks Montana, a nonprofit organization that provides affordable housing options to hardworking families across Montana.  Larry is a frequent guest speaker for several nonprofit and adult education organizations and is a graduate of Leadership Helena and Leadership Missoula.

Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

The live webinar option allows you to have up to three internet connections. Registrants receive a website address and passcode that will allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, passcode, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com. 

2. RECORDED WEBINAR + FREE DIGITAL DOWNLOAD

Can’t attend the live webinar? This option provides a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address for follow-up questions. You will receive an email with the recorded webinar link, which can be viewed anytime 24/7, beginning 2 business days after the webinar. You will also receive instruction on how to download a free digital copy of the webinar to your PC, which you may keep and use indefinitely.

3. BOTH LIVE WEBINAR & RECORDED WEBINAR + FREE DIGITAL DOWNLOAD

Options 1 and 2 described above.

 AFFORDABLE, PROFESSIONAL TRAINING, WHEN AND WHERE YOU CHOOSE