This two-day program is an interactive class that combines lecture, case study and role play. It is intended to provide the participants with the basic lending skills required to manage the bank’s consumer loan process. Today’s loan officer must master not only lending but sales skills as well as regulatory compliance. Credit scoring alone cannot substitute for the judgment and analytical skills of the loan officer. The country’s economic downturn has complicated this job. Regulators have upped the ante as loan file administration is central to a good safety and soundness exam.
Specific skills to be acquired:
- The ability to perform a global debt analysis;
- Improved interviewing skills;
- Understanding all qualifying sources of income;
- Understanding credit scoring factors;
- Basic consumer loan documentation;
- Debt-capacity analysis;
- Lending to self-employed borrowers;
- Business development skills;
- Evaluating collateral values; and
- Current consumer debt trends.
Who Should Attend: consumer loan officers, branch managers, assistant branch managers, personal bankers, management trainees and collection officers.
The top performing banks in the country have 20% to 30% of their outstanding loans in consumer loans. The big advantages to these banks are higher portfolio yields and portfolio risk diversity. In addition, the consumer loan portfolio also generates fee income. In short, banks cannot afford to not focus on this hidden source of business.
8:30 a.m. Registration (Tuesday) Day 1
9:00 a.m. Business Session by David Kemp (Tuesday) Day 1
8:30 a.m. Business Session by David Kemp (Wednesday) Day 2
12:00 noon Luncheon
1:00 p.m. Business Session by David Kemp continues
4:30 p.m. Adjournment
You are responsible for your own hotel reservations. A small block of rooms has been reserved for Tuesday, October 31 at the Courtyard Columbia Downtown @ USC, 630 Assembly St., Columbia. Call 803.799.7800 for reservations and identify yourself as attending the SCBA Conference. The block will be held until September 28, 2017, with a special SCBA room rate of $139, plus tax, per evening. Please make reservations prior to this date, as rooms will be released to the general public afterward.
About Your Instructor
David L. Kemp is president of Bankers Management, Inc., (BMI), formerly The Management Group. BMI is a nationally recognized company in financial services training and bank consulting. Prior to forming BMI, he served as vice president, director of credit services for Cannon Lending Schools, as well as through banking associations sessions for individual financial institutions.
What They’re Saying About Our Speaker
“This was my first bankers conference and David Kemp really did a fine job. Much better than lots of speakers I have paid to listen to.”
“What a great speaker. He took a potentially dry subject and really injected some spice into it.”
“One of the absolute strengths is the truly outstanding educational opportunities provided by the SCBA. While many other significant services are provided, education is in my mind the single most important.”
– Comments from past participants in conferences presented by David L. Kemp
Date of Event:
October 31 – November 1, 2017
Courtyard Columbia Downtown at USC
630 Assembly Street
8:30 AM – 4:30 PM
CPE Credit Available
Contact Anne Gillespie,
Lunch is included
October 28th @ Noon