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We understand our clients have unique business requirements, so we created flexible training packages to best meet the needs of your financial institution.

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  1. Processing the Loan

    This course focuses on gathering all the necessary documentation to perfect our security interest in the loan. It is essential to understand all the security agreements and the common documents in a consumer loan file.

    60 Minutes

    Series: Consumer Lending Program (in Partnership with Eensight)

    Course Type: Online Self-Paced

  2. Taking the Loan Application

    This course gives participants the tools to understand the information that is required on a consumer credit application and to properly respond to informal inquiries about consumer loans. It is essential to understand all the information required on the application in order to hold conversations with applicants in a manner that makes them feel comfortable. Key elements of the application include the reason for the request and whether the request is within policy. Participants also learn which types of identification are acceptable.

    60 Minutes

    Series: Consumer Lending Program (in Partnership with Eensight)

    Course Type: Online Self-Paced

  3. The Five Stage Lending Process

    This course introduces participants to the Five-Stage Lending Process which provides a basic structure for processing, analyzing, documenting and following up on a consumer lending request. It gives participants a proper framework and helps ensure they have not forgotten any steps.

    30 Minutes

    Series: Consumer Lending Program (in Partnership with Eensight)

    Course Type: Online Self-Paced

  4. Following up on the Loan

    As a lender, it is essential to protect your institution interest especially in the event of non-payment. You must learn to deal with different types of delinquents and to understand the legal options available, including Chapter 7 and 13 bankruptcies.

    60 Minutes

    Series: Consumer Lending Program (in Partnership with Eensight)

    Course Type: Online Self-Paced

  5. Government Regulations and the Lending Process

    This course highlights the consumer regulations that affect every step of the consumer lending process from initial inquires, to making the loan decision and communicating the decision to the applicant. You will learn the reason behind the regulations and how regulations protect the borrower and the applicant.

    180 Minutes

    Series: Consumer Lending Program (in Partnership with Eensight)

    Course Type: Online Self-Paced

  6. Introduction to Consumer Credit

    The primary purpose of this course is to give participants an overview of consumer lending and the competitive marketplace. They will learn the basic characteristics of the consumer lending products offered by financial institutions, why financial institution offer consumer lending products and how they make profits from consumer loans.

    90 Minutes

    Series: Consumer Lending Program (in Partnership with Eensight)

    Course Type: Online Self-Paced

  7. Investigating the Applicant Part 1

    The purpose of the course is to investigate the applicant's stability of employment and residence and willingness to repay the loan. Key elements in this process are to determine sources of income that are acceptable to repay a loan especially from both salaried and self- employed applicants. The willingness to repay the loan can be ascertained by analyzing a credit bureau report and their FICO credit score.

    90 Minutes

    Series: Consumer Lending Program (in Partnership with Eensight)

    Course Type: Online Self-Paced

  8. Investigating the Applicant Part 2

    This course focuses on the financial strength of the borrower. From the tax returns and personal financial statement you will learn to calculate the applicant's debt to income ratio and determine if it is sufficient to repay a loan. Understanding appraisals is also a key element when evaluating mortgage and home equity lending requests to determine if there is a sufficient secondary source or repayment.

    120 Minutes

    Series: Consumer Lending Program (in Partnership with Eensight)

    Course Type: Online Self-Paced

  9. Making the Decision

    The primary focus of this course is to use all the information gathered from the application, credit bureau report, personal financial statement and tax returns and actually make a loan decision. There are three possible decisions, yes, no or potentially making a counteroffer. It is essential to create a loan structure that matches the loan structure to the borrower's needs. Secondary sources of repayment include collateral and understanding the procedures for accepting collateral and making sure the correct insurance is in place to reduce risk.

    120 Minutes

    Series: Consumer Lending Program (in Partnership with Eensight)

    Course Type: Online Self-Paced

  10. Preventing Fraud

    In this course, you learn the ways applicants can commit fraud and learn to take the necessary steps to prevent fraud from happening in the first place.

    30 Minutes

    Series: Consumer Lending Program (in Partnership with Eensight)

    Course Type: Online Self-Paced