Consumer Lender/Retail Banker

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  • Adverse Action Compliance Workshop (3 CRCM Credits)

    How and when to notify applicants when denying a loan applicationHandling withdrawn applications
    Processing counteroffers
    Common errors and audit findings in the adverse action process
    Second reviews of adverse action notices for dual purposes
    The interplay of ECOA and FCRA for adverse actions
    Current requirements for business applications and an outline of pending small business application handling (can you say 1071?)
    Ideas/tips/tools from other bankers to try in your bank

  • The UCC for Lenders

    Overview and UCC definitionsArticle 9 secured transactions
    Perfection and attachment
    Rules of priority
    UCC forms and how they work: UCC-1, UCC-3, UCC-5, UCC-11
    Common mistakes: debtor names, collateral descriptions, filing locations
    Titled assets
    Special rules for intellectual property
    Special filing offices

  • Introduction to Consumer Lending

    Learn about the basics of consumer lendingExplore marketing consumer loans
    Gain an understanding of how institutions make consumer lending decisions based on the five C’s of credit
    Review the basics of consumer loan structure, support, documentation, and compliance with an auto loan, RV loan, and HELOC as examples
    Apply consumer lending through “case studies”

  • The Right of Setoff: What Institutions Need to Know

    The legal requirements to create a right of setoff
    The difference between a contractual right of setoff and a statutory right of setoff
    The differences between setoff, garnishment, and foreclosure of security interest, and why these terms are frequently misused
    What happens when a third party is competing with your financial institution’s right of setoff
    How the automatic stay in bankruptcy affects the right of setoff

  • How to Craft an Effective Commercial Loan Write-Up

    Review effective commercial loan write-upsDiscuss types, styles, and components parts
    Cover the financial analysis section
    Assess the company’s strategic plan and management’s strengths/ weaknesses
    Analyze the risk assessment and mitigation section as a summary of the loan presentation
    Summarize the concepts by reviewing three loan write-ups

  • What to Do When a Customer Dies

    Documents required upon the death of an individual
    Actions to be taken on deposit accounts owned by the decedent
    How to deal with the decedent’s estate or lack thereof
    How to handle death as a default on a loan
    Mortgage servicing rules that impact consumer mortgage loans after death
    What to know about doing business with the borrower’s estate

  • Dealing with Appraisals and Valuations: Regulations and Requirements, including Recent Developments – Part 1 (2 Part Series) (5 CRCM Credits)

    What is an appraisal? What is an evaluation? What is the difference?
    What are the requirements of an appraisal? What does it look like?
    When must we get what? Exemptions, threshold amounts, and evaluations (including when you don’t need anything at all)
    Selecting the appraiser: Who does this? Who can do it?
    Board of Director responsibilities and the approved appraiser list
    Appraiser selection criteria – licensed vs. certified
    Independence of the appraisal function
    Readdressed and transferred appraisals

  • Converting Accrual Financial Statements Into Cash Flow

    Obtain a good understanding of how to convert an accrual basis financial statement into cash flowKnow how to interpret and explain cash flow analysis to determine the debt repayment capability of the entity
    Know the types of companies prone to utilize cash basis financial statements and why
    Be able to compare various methods to calculate cash flow including the Uniform Cash Analysis (UCA) Method, EBITDA, and Traditional Methodologies, and their advantages/disadvantages
    Know the rules of cash flow required to perform the conversion from accrual to cash
    Be exposed to the Fast Cash Analysis method which can get you to the same results in less time

  • Dealing with Appraisals and Valuations: Regulations and Requirements, including Recent Developments – Part 1 (2 Part Series) (5 CRCM Credits)

    Utilizing existing appraisals: Criteria for acceptance
    Appraisal Management Company (AMC) requirements
    Reg. Z valuation rules: When are they applicable?
    Avoiding coercion and undue influence of appraisers
    Reg. Z’s “flipping” rule: Obtaining a second appraisal
    Reg. B rules: Disclosure and copies
    Appraisal bias: What to look for
    The Property Appraisal and Valuation Equity (PAVE) taskforce: Recommendations and future changes

  • Cash Flow Analysis (1 CPE Credit)

    This session is ideal for commercial lenders, credit analysts, small business lenders, middle market lenders, private bankers, loan review specialists, special assets officers, lending managers, and credit officers.

  • Bi-Monthly Compliance Briefing – April 2025 (2.5 CRCM Credits)

    Anyone in the institution having compliance responsibilities – when you think about this, it could be just about anyone in the institution. This may include members of senior management, operations personnel, lending personnel, underwriters, customer service representatives, back-room personnel, and of course compliance officers, auditors, and attorneys, and anyone else in the institution that might benefit from this valuable information.