Consumer Lending School

This two-day seminar 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.

Event Dates

Monday, August 3, 2026 to Tuesday, August 4, 2026

Location

IBA Center for Professional Development
8425 Woodfield Crossing Blvd, Suite 155E
Indianapolis, IN 46240.
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Registration

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Questions

For additional information please contact:

Molly Gibbs, Assistant Vice President- Education & Training
mgibbs@indiana.bank
317-387-9380

Program Topics

Agenda

  • Current industry trends:
    • Consumer strengthening in terms of total debt and debt service post-pandemic
    • How interest rates and inflation are affecting consumers 
    • 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 
  • Overview of collateral issues and 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