Consumer Lending Institute

Lending Square

Consumer Lending Institute

May 20 - May 22, 2025 | Livestream Institute

Make informed credit decisions by developing your ability to evaluate a consumer loan request. This program covers the application process, financial statement analysis, credit analysis, loan structure, compliance, documentation procedures, and closing.

To earn the Certified Community Bank Consumer Lender (CCBCL) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285.

Learning Objectives:

  • Consumer banking overview, lending application and underwriting

  • Consumer underwriting-tax returns, scoring and credit analysis

  • Credit report analysis

  • Consumer lending-structure, documentation, pricing, compliance and collections

  • Consumer products-direct lending, indirect lending and deposit

  • Portfolio management-credit quality issues

Register
Register
Date
Information (Central Time unless otherwise noted)
Tuesday, May 20
Program

9:00 a.m. – Noon

Introductions

Five C’s of Credit

  • Character
  • Capacity / Cash Flow
  • Capital
  • Conditions
  • Collateral

Regulations & Regulatory Agencies

  • CFPB On-Line Enforcement Actions
  • FDIC Compliance Statistics
  • CFPB – DTI, Ability to Repay, Qualified Mortgages

Consumer Lending Products

  • Term Loans
  • Lines of Credit
  • Bullet Loans
  • Credit Cards
  • Indirect Loans

Bank and Non-Bank Competitors

Consumer Loan Exercises

  • B. Mi Neighbor (Discussion) (1-A)
  • Hi-Lo Borrower ($15,000) (1-B)
  • I. M. Charged ($50,000) (1-C)
  • Emma Broke ($14,500) (1-D)
  • Flim Flam ($50,000) (1-E)
  • Stella Kid (Home loan) (1-F)
  • M.E. & S.H.E Worry ($60,000) (1-G)

Lunch

Noon – 1:00 p.m.

Program

1:00 p.m. – 5:00 p.m.

The Credit Process Cycle

  • Consumer Loan Application Appendix 2-A (1) & 2-A (2)
  • Credit Approval Form Appendix 2-B
  • Pull Credit Bureau
  • Approval Process
  • Loan Closing
  • Monitoring

Consumer Loan Summary – Credit Approval Form

  • Appendix 2-B &2C
  • General Form Review
  • Income Analysis, Sources

Income Analysis Basics

  • Sole Proprietorships – Schedule C Appendix 2-D
  • Joe’s Lawn Service – Schedule C Appendix 2-E
  • Business Tax Return Introduction Avme Framing – Appendix 2-F
  • Bob’s Bar & Grill Appendix 2-G
  • Bob the Builder Appendix 2-G (2)
  • Schedule 1040, Part 1, Schedule E Appendix 2-G (3)
  • Schedule 1040, Part 2, Schedule E Appendix 2-G (4)
  • Personal Tax Returns Appendix 2-H – J
  • Example – Bob The Builder Appendix 2-K
  • Case Study #1 Appendix 2-L
  • Case Study #2 Appendix 2-M
  • Case Study #3 Appendix 2-N (1)
  • Case Study #4 Appendix 2-N (2)
  • Case Study #5 Appendix 2-N (3)
  • Schedule E exercise Appendix 2-O
  • Example – Robert & Lorie Posh Appendix 2-P
  • Case Study – Sheriff Woody Appendix 2-Q
  • Case Study – Lightning McQueen Appendix 2-R
  • Case Study – Doc Hudson Appendix 2-S
  • Case Study – Donald Duck Appendix 2-T
  • Case Study – Buzz Lightyear Appendix 2-U

Wednesday, May 21
Program

9:00 a.m. – Noon

Day 1 Review

Debt Analysis & Basics

  • John & Mary Smith Appendix 3-1
  • Case Study – Bozo the Clown Appendix 3-2
  • Case Study – Sherlock Holmes Appendix 3-3
  • Case Study – Jerry West Appendix 3-4
  • Rental Income Analysis Appendix 3-5
  • Case Study – John Smith Appendix 3-6
  • Case Study- Larry Hughes Appendix 3-7
  • Case Study – Suzie Kozlowski Appendix 3-8
  • Case Study – Mary Hill Appendix 3-9

Lunch

Noon – 1:00 p.m.

Program

1:00 p.m. – 5:00 p.m.

Case Study – He B. Borrower & She B. Borrower Appendix 3-10 (A)

Case Study – John Smith Appendix 3-10 (B)

Consumer Loan Income Worksheet Appendix 3-11

Credit Bureaus

  • Score Factors
  • How to improve score
  • Establishing credit

Credit Bureau Review #1 – Roger Rabbit Appendix 3-A

Credit Bureau Review #2 – John Doe Appendix 3-B

Credit Bureau Review #3 – Sally The Star Appendix 3-B (1)

Credit Bureau Review #4 – Joe Chrome Appendix 3-B (2)

Credit Bureau Review #5 – Bud King Appendix 3-B (3)

Case Study – Larry Perk Appendix 3-C

Case Study – Iam Broke Appendix 3-D

Case Study – Evil Knievel Appendix 3-E

Case Study – Old McDonald Appendix 3-F

Case Study – Abraham Lincoln Appendix 3-G

Case Study – John Smith Appendix 3-H

Case Study – Winnie Pooh Appendix 3-I

Thursday, May 22
Program

9:00 a.m. – Noon

Scoring Models & Pricing Models

Best Practices & Beware

Collateral

  • FDIC Regulatory limits on Real Estate
  • Other Collateral Advance Rates

Lien Rights, Types & Documentation Appendix 4-A

Document Checklists Appendix 4-B

Loan Document Review

Unsecured Appendix 4-C

Lot Loan Appendix 4-D

Loan Policy

Risk Grading

Consumer Sales Strategies

Review Topics

Lunch

Noon – 1:00 p.m.

Compliance Training

1:00 p.m. – 5:00 p.m.

Jenny Forschen , Regulation B, Fair Lending, FCRA, Regulation Z, RESPA , Military Lending Act, Flood, HMDA  

Tuesday, May 27
Certification Exam

9:00 a.m. – 10:00 a.m.

Held via ICBA online portal for those enrolled in the CCCBCL certification program.

The certification exam will be available following the conclusion of the institute. You will be able to access and complete the exam any time after the institute adjourns. However, you must complete the exam no later than the exam time shown above. The exam is timed, and you will be allotted the same amount of time to complete the exam no matter when you choose to take it.

Note - If you do not pass the exam, you will have the opportunity to retake the exam at a future retake date.

Pricing

ICBA Members: $1,699

Non-Members: $2,199

Non-Bankers* : $2,699

Certification Testing Fee: $500

Printable Registration Form

*Attendance may be subject to ICBA approval.

Attendance & Cancellation Policy

  • Full payment is required prior to event attendance. 
  • Registration fee is valid for only the individual registered. Each attendee must register.
  • A substitute registration will be accepted. Please notify ICBA Education if registration needs to be changed. 
  • If registration is cancelled more than 30 days prior to the event start date, you will receive a full refund. 
  • If cancellation is within 30 days prior to the event start date, 20 percent of the registration fee paid will be deducted for costs. 
  • No refunds will be issued once the bank has received event materials or after the event start date. 
  • All rights are reserved by ICBA. No recording or distribution of the content is permitted unless expressly agreed by ICBA. 

Continuing Professional Education Credit (CPE) Requirements

To receive full CPE credit for an ICBA livestream event you must meet the following requirements: 

  • Enter your full name when joining the event in Zoom. Your Zoom session must display your full name and match the registration. 
  • Attend the livestream session with camera on for the duration of the session. NOTE - If attending by phone audio only, no CPE will be awarded due to participant’s inability to respond to poll questions.  
  • Participate in all group activities and breakout rooms.  
  • Answer all poll questions displayed during the session. If you are unable to answer the poll questions within the poll feature, submit your answer in the chat.  

* View CPE Credit Hours in the “Who Should Attend” section.  

This event is not recorded. For more information, call 800-422-7285 or email [email protected]. 

Livestream Seminar

Upon registration you will receive an email from ICBA confirming your registration, the dates of the event and a calendar invitation for the event. Approximately 1-2 weeks prior to the event start date, you will receive an email from an ICBA representative containing detailed information including event times and the meeting link.

Who should attend: All community bank personnel with consumer lending responsibilities

Prerequisites: Basic knowledge of consumer lending

Advanced Preparation: Recommended - Complete complimentary online course sent upon registration

Program Level: Intermediate

Field of Study: Specialized Knowledge

Delivery Method: Group Internet Based

Continuing Professional Education (CPE) Credit Hours: 23

Certification Offered: Certified Community Bank Consumer Lender (CCBCL)

Bob Page
Bob Page

Senior Vice President

SouthState Bank

Jenny Forschen
Jenny Forschen

Education Content and Compliance Specialist

ICBA

Code of Conduct

Registration, attendance, or participation at this event constitutes an agreement to adhere to the ICBA code of conduct and complaint policy. ICBA aims to be welcoming, safe, and inclusive to all participants, with the most varied and diverse backgrounds possible.

As such, The Independent Community Bankers of America (“ICBA” or the “Association”) has adopted a zero-tolerance policy toward all forms of unlawful discrimination and harassment.

Read Full Policy

Suitcasing Policy

Suitcasing is the act of soliciting business by non-exhibiting companies during the event or in other public spaces, including another company's booth, a convention center, or a hotel lobby. It is ICBA event management’s objective to do everything legally possible to protect its exhibitors and community banker attendees from suitcasing.

"Loan approval is not an exact science. This session will help me stress less when making decisions."