Aug 19, 2025 to Aug 20, 2025
This two-day school follows the consumer lending process from taking the application to making the final credit decision. Using cases and providing suggested 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 various compliance and fair lending regulations, the focus is on the underwriting and loan analysis process beyond compliance.
8:30 a.m. Registration & Continental Breakfast
9:00 a.m. Program Begins
Noon Lunch (Provided)
1:00 p.m. Program Resumes
4:00 p.m. Program Adjourns
Richard Hamm — Advantage Consulting & Training
Hamm has been training bankers for 30+ years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training. He is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 15+ years, after a 22-year banking career including senior positions in lending and credit, plus president of a community bank through formation and acquisition of an existing bank. His clients include national associations such as The Risk Management Association (RMA) and American Bankers Association (ABA), regional graduate schools of banking such as the Graduate School of Banking at Wisconsin, state banking and community banking associations (Indiana Bankers Association), plus individual banks.
Required Equipment
Participants should bring a calculator for use during the school.
Requirements and Regulations
Participants are expected to attend all sessions. Absences are excused only because of illness,
catastrophe or extenuating circumstances, based upon a written statement submitted to, and approved by, the IBA Board of Education.
Certificate of Completion
Student performance will be measured using a combination of class participation and group presentations. Students who satisfactorily complete all requirements will receive a certificate of completion.
IBA Members
$595 - First attendee
$450 - Second attendee from the same institute
Fees include casebook, study materials, continental breakfast, lunch and refreshment breaks each day. Participation in IBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or non-member rates.
The Consumer Lending School will be held at the IBA Center for Professional Development located on the west side of Indianapolis at 8425 Woodfield Crossing Blvd. Suite 155 E., Indianapolis, IN 46240. Please email Elizabeth DeHaven if you need a list of local hotels in the area. (Edehaven@indiana.bank)
Who Should Attend
Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers.
For additional information please contact:
Laurie Rees, Vice President, Education & Training
LRees@indiana.bank
Elizabeth DeHaven, Education Manager
edehaven@indiana.bank
Brooke McCormack, Education Coordinator
bmccormack@indiana.bank
IBA Education & Training Department - 317-387-9380
Confirmation / Cancellation Policy
If an application is not accepted, payment is returned. Any registrant withdrawing on or before August 12, 2025, receives a refund less a 10% cancellation fee. Any registrant withdrawing after August 12, 2025, or who is a “no show” forfeits the entire tuition. All requests for refunds must be submitted in writing. Extenuating circumstances are reviewed on an individual basis. Substitutions are permitted without added cost or penalty.