Event Calendar

Monday, September 13, 2021

Consumer Lending Seminar - Virtual

Start Date: 10/19/2021 7:30 AM MDT
End Date: 10/21/2021 11:30 AM MDT


Organization Name: Independent Bankers of Colorado

Contact:
Maelynn Lewis
Email: mlewis@ibcbanks.org
Phone: (720) 607-7937

The Independent Bankers of Colorado is pleased to partner with the Virginia Association of Community Banks (VACB) and Performance Solutions, Inc. to present Beyond the Basics – Consumer, Mortgage, Small Business and Small Investment Real Estate Lending seminar.
 
INTRODUCTION
 
This intermediate, enhanced 2.5-day program will take you beyond basic consumer, mortgage, small business, and small investment real estate lending training. This real-world program will prepare you to have more informed and effective conversations with credit partners and build stronger, more profitable relationships with customers. The 2.5-day course meets the needs of lenders who serve consumers, small real estate investors, and/or small business clients. It will prepare you for success in today’s community banking environment, where you must have the skills and flexibility to serve a variety of loan requests.
 
TOPICS INCLUDE
  • Consumer, Mortgage, Small Business and Small Investment Real Estate Lending Credit Analysis
  • Personal Tax Return and Business Tax Return Analysis
  • Personal and Small Business Financial Statement Analysis
  • Simplified Worksheet for Calculating Debt-to-Income and Global Debt Service Coverage
  • Essentials of Lending Compliance
  • Essentials of Loan Documentation
 Evaluating Cash Flow and Tax Return Analysis
  • Review of Differences in Consumer vs. Commercial Lending
    • Loan purpose
    • Compliance
    • Underwriting
  • Review of Five C’s of Credit
  • Cash Flow Analysis
    • Why you should be knowledgeable of how to calculate cash flow
    • Global debit to income and debt service coverage calculations
    • Sources of repayment
    • Important considerations in evaluating cash flow
  • Personal tax return analysis
    • 1040
      • Schedules I and II
      • Schedules A and B
  • Small Business, Farm, and Small Investment Real Estate Tax Return Analysis
    • Understanding the types of business entities
    • 1040
      • Schedule C – Small business cash flow
      • Schedule F – Farm cash flow
      • Schedule E – Real estate investment cash flow
      • Schedule E – Other business entities cash flow
        • Schedule K-1
        • 1120S (S-Corp)
        • 1120 (C-Corp)
        • 1065 (Partnership)
Analyzing Business Income; Calculating Global Cash Flow; Loan Pricing; and Loan Compliance for Consumer and Small Business/Small Real Estate Investment Loans
  • Using other business financial information to evaluate repayment
    • Balance sheet, income statement, and statement of cash flows
    • Analyzing lease income
    • Income/cash flow projections
  • Cash flow practice exercises using global cash flow worksheet
  • Approving loans within bank policy
  • Comparing consumer and commercial loan pricing
  • Fair lending compliance (ECOA, Adverse Action, HMDA, Fair Housing, CRA)
  • Fair Credit Reporting Compliance
  • Truth-in-Lending Compliance
  • RESPA and TRID Compliance
  • UDAAP Compliance
  • Dodd-Frank and Related Mortgage Compliance Regulations
  • Flood Regulation Compliance
  • and More!
Loan Documentation and Perfection for Common Loan Types; Growing Retail Loan/Bank Relationships; and Balancing the 4-Legged Stool
  • Loan Documentation Basics for the following loan types: Unsecured, CD, Titled Vehicles, UCC Collateral, Land and Lots, Personal Residence, Other Dwellings, Other Structures
  • Best Practice Processes: Loan Pre-Closing, Closing, and Post-Closing
  • Ongoing Loan Monitoring and Exception Management
  • Using the CARES model to Grow Relationships, Grow the Bank, and Protect Asset Quality
  • Balancing the 4-Legged Stool: Customer Needs, Bank Needs, Community Needs, Lender Needs
ZOOM CREDENTIALS AND HANDOUT
Zoom credentials and handouts will be distributed as the meeting dates approach.
 
PRESENTED BY
Christie Drexler is the Senior Consultant and Facilitator for Performance Solutions, Inc., a bank training, and consulting company that specializes in providing "real-world" solutions to the key challenges facing banks today in developing the team and building profitable relationships. Christie has over 26 years of experience in the financial industry for community and regional banks. Her experience has been expansive to include successfully navigating both retail and commercial banking careers.  Her past roles include Commercial Banker, Regional Sales Manager, Chief Retail Officer, Chief Credit Officer, and Market/Division President. Christie is a passionate facilitator and coach with a focus on developing leaders in banking.
 
WHO SHOULD ATTEND
This 2.5 day seminar is targeted to universal bankers / retail lenders with six months or more lending experience who make consumer, small business and/or small investment real estate loans.
 
REGISTRATION DEADLINE
Friday, October 15, 2021

PROGRAM FEES
 
                   First Registrant Additional Registrant
IBC Ed Program Member $695 $645
IBC Member $725 $675
IBC Non-Member $950 $900