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. 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.
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.
Tues., Oct. 2 – Wed., Oct. 3
8:30 a.m. – 4:30 p.m.
Courtyard Marriott Columbia Downtown at USC
CPE Credit Available
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 2 at the Courtyard Marriott Columbia Downtown @ USC, 630 Assembly St., Columbia. Call 803.799.7800 for reservations and identify yourself as attending the SCBA Conference OR click the below link for reservation. The block will be held until Monday, September 10, 2018, with a special SCBA room rate of $142, plus tax, per evening. Please make reservations prior to this date, as rooms will be released to the general public afterward.
SC Bankers Association – Consumer Lending School
Start date: 10/2/18
End date: 10/3/18
Last day to book: 9/10/18
Marriott hotel(s) offering your special group rate:
Courtyard Columbia Downtown at USC for 142 USD per night
For more information, contact Anne Gillespie by email at firstname.lastname@example.org.