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.