May 27, 2026
Do your new lenders understand the “why” behind every credit decision?
Consumer lending remains a vital function for every financial institution, and expectations are high for consistency, fraud prevention, and sound credit judgment. This 90-minute session will give new lenders a practical foundation in evaluating and approving consumer loans in today’s environment. We will also describe how automated and AI-assisted decision systems fit into the process while reinforcing that human judgment and strong underwriting fundamentals remain key to responsible lending.
May 27, 2026
3:00 pm - 4:30 pm EST
Consumer lending remains a core activity for financial institutions, but expectations for consistency, fraud awareness, and automated decision systems continue to evolve. This 90-minute program will provide new consumer lenders with a practical foundation in how consumer loans are evaluated and approved in today’s environment. Learn how to analyze income, interpret credit reports, calculate debt-to-income ratios, and evaluate collateral. Discover how automated decision systems function and why basic underwriting skills remain essential — particularly when reviewing loans in the discretionary band or when an automated approval may still warrant additional scrutiny or decline. The session will introduce modern lending tools, including automated underwriting and AI-assisted review systems, while reinforcing that lenders — not systems — remain responsible for sound credit decisions. Real-world examples and practical guidance will be emphasized to help new lenders develop disciplined underwriting habits early in their careers.
KEY WEBINAR TAKEAWAYS:
Robert L. Viering
RiverPointUSA LLC & RegVizion LLC
Bob is the principal of RiverPointUSA LLC, a national consulting and training firm dedicated to helping community banks and credit unions strengthen credit risk management, strategic planning, and sustainable growth. With over 40 years of experience in commercial banking, Bob brings expertise in C&I, CRE, and agricultural lending, as well as portfolio management, stress testing, CECL, liquidity, and capital planning.
Bob’s career includes roles as a de novo bank founder, CEO, Chief Lending Officer, regional credit officer, board member, and audit committee member. He has also served as an expert witness in state and federal courts. Bob is a past board member of state and national banking associations and a frequent speaker on banking topics across the country.
In addition to his work at RiverPointUSA, Bob co-founded RegVizion LLC, which develops AI-driven credit tools. Bob is also a founder of RegVizion LLC, developing AI-driven credit tools, and actively serves on the board of the Chicago Chapter of ProSight (formerly RMA) and is a member of their national Chapter Advisory Group.
WHO SHOULD ATTEND?
Live Webinar - $279
On-Demand Webinar - $279
Live + On-Demand - $379
Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.
**100% surcharge applied to non-members.
| Susan Clark | Silvia Regalado | |
| Professional Development Coordinator | Professional Development Coordinator | |
| o: 317-387-9380 | o: 317-387-9380 | |
| d: 317-333-7169 | d: 317-333-7170 | |
| sclark@indiana.bank | sregalado@indiana.bank |