Lending Conference 

About This Event

Starting out working in a financial institution one quickly finds there is lots of information to learn. From debits and credits, to the multitude of products and services, is a challenging issue. As one masters these topics often entering the world of lending is another step.

It is a known fact: Members want to deal with trained and knowledgeable employees. Members see you as the expert, one who has knowledge and answers vs. excuses. Like it or not, you are seen as the “expert”. This program addresses the challenge of entering the world of lending and, even starting out, how to be the professional members want to deal with.

This program introduces you to the fundamentals of consumer lending.

Day 1 - Stepping Into Consumer Lending:  For the individual with minimal experience 

• The Philosophy Of Consumer Lending And Why It Is Offered
• The Role Of Regulations And Compliance On Consumer Lending
• The Terminology Of Consumer Lending 
• The Two Lending Equations To Making A Solid Loan Decision
• Learning The Two Most Important Financial Reports 
• Members Preference Usually Differs From That Of The Credit Union 
• The Application Process And The Various Application Types 
• The Various Documents Associated With The Credit Investigation 
• The Decision Process And Why The Letter “C” Is Most Important 
• The 4 Types Of Collateral And How They Relate To Loan Amount 
• Understanding The Different Types Of Consumer Loan Products 
• Understanding Credit Scores

Day 2 - Going Up:  For the individual with a greater degree of consumer lending experience 

• The Role One’s Values Play In Lending 
• How To Effectively Communicate With Members During The Loan Interview 
• Ethics And The Role It Plays In Lending 
• Risk Based Lending And How Loan Products Are Priced 
• A New Market For Consumer Loans 
• Techniques To Build Member Relationships Using A Consumer Loan Application 
• Information On Credit Reports And How To Read Them 
• The Red Flags And Challenges Associated With Lending 
• Make Decisions On Sample Credit Applications

Meet the Instructor:  John Baptista, Jr.

John Baptista’s experience combines over 35 years in the financial industry, including 30 years in management, and over three decades as a trainer and consultant. His lifetime of customer relations and ‘real world’ experiences, provide a new learning dimension to each of his programs and training seminars. He is an alumnus of the University Of Southern California and the University of San Diego. 

“I have the hands on experience of being a lender, banker and corporate trainer, specifically with a major credit union. My programs bring my real world experiences which are blended with the theories of the text book together.” — John Baptista, Jr.

General Information

Who should attend. CEOs, executive management, lending managers/staff, branch managers, collection staff, and marketing & business development staff as well as frontline staff.

Register Now!