Barret School of Banking

Consumer Lending

Richard Hamm leads a 4 part series covering the basics of consumer lending as well as know when/how to apply those skills.
  • What you will learn

This four-day seminar follows the consumer lending process from taking the application to making the final credit decision. Using cases and providing best practices, participants will learn how to better navigate what can be a tricky process. Because consumer lending tends to be one of the most automated and regimented lending functions in banking, special emphasis will be placed on recognizing exceptions to established lending policies and practices, and how to properly mitigate these risks – when it makes sense for bankers to intervene and grant a waiver.

We also will explore personal tax returns and developing related personal cash flow, including small business and self-employed borrowers.

While this program provides a brief overview of the role and goals of various compliance and fair lending regulations, the focus is on the underwriting and loan analysis process beyond compliance.

We are excited about returning consumer lending to our curriculum. Richard Hamm has been a on the Grad School faculty for 20+ years, created our Commercial Lending Academy, and is one of our primary facilitators for the Senior Lender Summit. Any time he can share his credit knowledge with our students is time well spent.

The Future

Banking is changing at a rapid pace. Most banks today are looking toward their future and making decision on how to position their banks for the future. In order to do this we must first understand the future and how it will affect future growth and sales opportunities.

Key Components of a Sales Culture

When implementing a sales/growth culture it is crucial to avoid treating it as a “program” and come to understand it is an integral part of “who” you are as a company. This session will address the key components of a sales culture. Where to get started and what are the traps to avoid.

Implementation

Building a plan to implement your sales culture is step one to implementation, but it takes additional effort to implement the culture and make sure it “sticks.” This session will address the process of implementation that will help your company achieve success.

Compensation

Proper compensation of your team will give you the opportunity to attract and retain the best team members. Building a compliant, trackable incentive in today’s environment can be a challenge. This session will walk you through how to incent your team, protect the bank and keep regulators happy while making sure your shareholders are rewarded through increased value.

  • Audience

Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers

Barret’s Consumer Lending webinar series is led by Richard Hamm, one of the industry’s leaders in credit education. In this series, Richard not only discusses the fundamentals of consumer lending, he gives practical lessons on how to apply those lending skills towards growing a profitable loan portfolio.

Instructor

richard-hamm.jpg

Richard Hamm

Barret’s Consumer Lending webinar series is led by Richard Hamm, one of the industry’s leaders in credit education. In this series, Richard not only discusses the fundamentals of consumer lending, he gives practical lessons on how to apply those lending skills towards growing a profitable loan portfolio.

Registration

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