Consumer Lending Basics

Learn the consumer lending process from taking the application to making the final credit decision. Special emphasis will be placed on recognizing exceptions 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 compliance and fair lending regulations, the focus is on the underwriting and loan analysis process. Program: 9:00 AM – 4:00 PM Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers. Registrants will receive instructions in advance to access the online class and download the materials. Registrants will have access to a recorded copy of both sessions and materials for up to 90 days. Additional Registrant: $775 The fee includes access to the virtual seminar, program materials and session recordings. IMPORTANT: Registration is per person. All attendees must be registered to ensure access to the program, materials, recorded content and to be eligible to receive CE credit. Cancellation/substitution requests must be made in writing. Email requests to [email protected]. Full registration fees will be refunded if written notice is received no later than October 28, 2026. Substitutions are permitted without penalty. Texas State Board of Public Accountancy: 14 CPE credit hours. There are no educational prerequisities. Richard Hamm has been training bankers for more than 30 years, including both creating and teaching courses for the American Bankers Association (ABA) and the Risk Management Association (RMA), plus regional banking schools (Graduate School of Banking – Wisconsin, Graduate School of Banking at Colorado, Southwestern Graduate School of Banking and Barret School of Banking – Memphis), numerous state banking and community banking associations and individual banks.