GregSouther.com

Credit and Collections Marketing and Customer Service Human Resources GSC Keynote

Consumer Credit Reports Business Credit Reports

Contact | Mission Statement | Testimonials | Free Stuff | Links

Consumer Lending School
The advantage of this type of in-house training is the ability to customize the training to suit your staff's particular needs by utilizing actual cases in which your staff members are familiar. We can also help reinforce any of the bank's policy that coincides with the material we teach. If this option is desired, please provide the material at least four weeks before the School.

Pre and Post Test
While many In house training groups would not administer a Pre and Post Test evaluation of each participant, we strongly recommend this important step. It not only sets an individual benchmark of knowledge, but points out areas that need improvement.

Suggested Learning Objectives: Consumer Lending School 2011

1. Consumer Lending Environment
      a. Review of Consumer Trends and Factors Affecting the Consumer/Banker

2. Review of the Major Lending Regulations including:
      a. Regulation B
      b. Regulation Z
      c. RESPA
      d. Home Mortgage Disclosure Act (HMDA)

3. The Application Process
      a. Best Practices during the Application Phase
      b. Analyzing the Application for Consistency
      c. Regulatory Requirements Governing the Application Process

4. Credit Investigation
      a. Understanding Credit Reports and Factors Affecting the Credit Score
      b. Verification of Employment and Income
      c. Determining Qualifying Income

5. Credit Evaluation and Decision Process
      a. Review the Six "C's" of Credit
      b. Evaluating Non-Financial Factors that may Impact the Consumer
      c. Proper Consumer Loan Structuring and Pricing

6. Consumer Loan Documentation Process Required to:
      a. Identify the Borrower
      b. Identify, Value and Protect the Collateral
      c. Evidence the Debt
      d. Attach the Collateral
      e. Perfect the Collateral

7. Lending to the Self-Employed Borrower
      a. Analyzing Income Tax Returns in Order to Convert Taxable Income into Cash Flow Required to Service Debt

8. Collecting from the Past Due Customer
      a. Review of FDCPA
      b. Making Collection Calls in person or over the phone
      c. Collection techniques that work

Sections can be added or dropped to meet your training needs. Contact us to discuss your specific needs. You can reach me by phone at 770-851-8915 / 888-842-2408 or email at greg@gregsouther.com.

We appreciate the opportunity to provide you with this important training for your organization. It is our desire to not only meet the needs of your Consumer Lending Staff, but to surpass your expectations.

Sincerely,
Greg Souther
President and Senior Consultant