Consumer Lending School

This two-day school is designed to prepare consumer lenders to meet two primary challenges. The first challenge is to originate loans to qualified consumer and residential borrowers and minimize collection problems and loan losses. The second challenge is to be in compliance at all times with ever-changing fair lending regulations.

Event Dates

Tuesday, August 19, 2025 to Wednesday, August 20, 2025

Hotel

List of nearby hotels

Maps and Dining Options

Google Map

Program Topics
  • Current industry trends:
    • Recent issues, such as the pandemic, consumer savings and strong liquidity, all while a recession is broadly predicted (and may be in progress at the time of the event)
    • Re-thinking the predictive power of credit scores
    • Overview of residential mortgages and home equity lending
  • Taking the loan application (or personal financial statement), getting the needed information, and issues with helping the customer complete the schedules
  • Beyond W-2s and pay stubs: Tips on how to qualify income and verify employment
  • Myths and realities of credit bureau reports
  • Getting beyond “the dog ate my homework” types of excuses for poor credit history
  • A framework for dealing with applicants that have a previous bankruptcy
  • Credit policy exceptions are serious business – your reasons for granting a waiver must be equally serious
  • Collateral considerations
  • Beyond the “big three” of credit score/history, debt ratio and loan-to-value: Tips on using other important factors to mitigate risks and underwrite a solid loan
  • Update on residential mortgage lending and the basics of the mortgage loan process
  • Key issues when dealing with residential construction loans
  • How to compile and construct personal cash flow from tax returns