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Consumer Lending Underwriting 101: From Application to Approval

This webinar will cover the consumer lending process from the application to the decision stage. After completing this webinar, the participants will have a better understanding of underwriting consumer loans from the application, investigation, evaluation, and decision stage.

OnDemand
Recorded Wednesday,
October 8th, 2025
Presented by Jeffery Johnson
2h total length
$299.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Lending
  • Branch Manager
  • Commercial Lender
  • Community Reinvestment Act Officer
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Customer Service Representative
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Private Banker
  • Senior Management
  • Small Business Lender
  • Training Manager
  • Trainer

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Proper analysis of consumer loan requests is more important today than any time in the history of banking. This is because of the continued impact of Covid-19, which negatively affected many consumer borrowers.

More recently we’ve seen an increase in consumer debts outstanding and an uncertain economic environment caused by a myriad of economic influences. All of these may cause consumer borrowers to be in a weaker financial condition.

For these reasons, and the need for institutions to continue growing the consumer loan portfolio safely, it is important for financial employees to adjust their lending practices to ensure the next consumer applicant is not becoming overextended and unable to meet their obligations.

What You'll Learn

  • Know the purpose and objectives of the application
  • Know the relevant and legal questions to ask under Regulation B
  • Know how to investigate the information submitted on an application
  • Know how to incorporate the applicant’s credit report into the investigation process
  • Understand how to evaluate the applicant’s capacity to pay by calculating the debt to income ratio and determine the cash flow generated from an applicant’s income tax return

Who Should Attend

This session is ideal for 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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