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Consumer Lending Underwriting 101: From Application to Approval

Proper analysis of consumer loan requests is more important than ever in light of increasing interest rates, quickly increasing consumer debt and the continued negative impact of COVID-19. This webinar will cover the consumer lending process from the application to the decision stage.

OnDemand
Recorded Thursday,
January 4th, 2024
Presented by Jeffery Johnson
2h total length
$299.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Accounting/Reporting
  • Commercial/Business Lending
  • Lending
  • Management/Employee Development
  • Mortgage Lending
  • Risk Management/Legal
  • Branch Manager
  • Commercial Lender
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Mortgage Lender
  • Risk Manager
  • Senior Management
  • Training Manager
  • Trainer
  • Workout Specialist/Collector

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To grow the consumer loan portfolio safely, bankers need to adjust their lending practices to ensure the next consumer applicant is not becoming overextended and unable to meet their obligations.

There are several steps in the consumer lending process needed to build a good consumer loan portfolio. The “tion” method in the consumer lending process is: Regulation, Initiation (Business Development), Application, Investigation, Evaluation, Decision, Documentation, Administration, and Collection. Participants will gain a better understanding of underwriting consumer loans from the application, investigation, evaluation, and decision stages.

What You'll Learn

  • Purpose and objectives of the application
  • Relevant and legal questions to ask under Regulation B
  • Investigating information submitted on an application
  • Incorporating the applicant’s credit report into the investigation process
  • Evaluating the applicant’s capacity to pay

Who Should Attend

Senior Credit Officers, Senior Loan Officers, Commercial Lenders, Consumer Lenders, Branch Managers Assistant Branch Managers, Personal Bankers, Loan Review Personnel, Documentation Specialists, and those interested in learning more about the consumer lending process.

Jeffery Johnson

Instructor Bio

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations.

Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.

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