Education & Events
2019 Consumer Lending School
Click Here for a PDF Brochure
One of the greatest investments employers can make is in the continued education of their employees. Seminars, workshops, conferences, and schools not only provide professionals with an updated and contemporary framework to make better judgments and more informed decisions, but also assist in developing a resourceful network of peer bankers.
The IBA Foundation, Inc. prides itself on providing members with one of the best nonprofit banker education programs in the country. Featured in this brochure is the highly acclaimed 2019 Consumer Lending School, which addresses the most immediate and relevant training needs of the financial industry.
We know that bankers demand a strong return on education, “ROE,” in terms of dollars, time, and effort spent. You can count on this school to provide:
- Practical, hands-on curriculum designed for learning by doing and for easy application at the bank;
- Small class size to increase networking opportunities and personalized instruction;
- A school designed and governed by bankers and taught by experienced bankers and consultants; and
- Reasonable enrollment fees and an academic atmosphere conducive to a stimulating learning experience.
This two-day school is designed to prepare consumer lenders to meet two primary challenges. The first challenge is to originate loans to qualified consumer and residential borrowers and minimize collection problems and loan losses. The second challenge is to be in compliance at all times with ever-changing fair lending regulations.
- Define Consumer Lending
- Review Consumer, Personal and Household Loan Purposes
- Discuss the concept of gathering “complete” information from Applicants
- Review the steps in Evaluating the Applicant Credit Information
- Making the “best” loan decision
- Review the basics of Consumer Loan Documentation
- Discuss Consumer Loan Collection Issues
- Review the following Federal and State Lending Regulations:
- Equal Credit Opportunity Act as implemented by Regulation B
- Regulation P (Privacy)
- Truth-in-Lending Act as implemented by Regulation Z
- The Fair Credit Reporting Act
- USA PATRIOT ACT—Customer Identification Program Requirements
The instructor for the 2019 Consumer Lending School represents a wealth of lending experience and the ability to communicate this experience in an effective and enjoyable manner. Curriculum design, case study development, and lead instruction will be provided by John Cochran. In his banking career which spans over 35 years, he has served in carious lending and senior management positions. John established Cochran Associates LLC in 2000 to provide bank training and consulting services. To date, he has presented lending seminars for many state banking associations and annually participates in eight commercial lending schools as a principal instructor or sole presenter. John is the lead faculty member of the Indiana Bankers Association’s Commercial Lending School.
8:30 a.m. Registration & Continental Breakfast
9:00 a.m. Program Begins
12:00 Noon Lunch (included)
1:00 p.m. Program Resumes
4:00 p.m. Program Adjourns
This seminar will be held at the IBA Center for Professional Development, 8425 Woodfield Crossing Blvd. Suite 155E, Indianapolis, IN 46240. Directions, map & list of hotels are available at www.indianabankers.org or by calling 317-387-9380.
Who Should Attend
Community bankers and lenders who participate in their bank’s consumer loan origination process. Newly appointed loan officers and members of the bank’s credit administration and loan processing areas will especially benefit.
Tuition is $495 for IBA Members, $990 for Nonmembers. Fees include, casebook, study materials, continental breakfast, lunch and refreshment breaks each day.
Should you need hotel accommodations, please call the IBA Office at 317-387-9380. We will provide you with a list of hotels in the area.
- Review Basic Residential Loan Products
- Using the Uniform Residential Loan Application
- Evaluating Residential Loan Application Information
- Surveys, Title Commitments and Final Title Policies
- Basic Appraisal and Evaluation Compliance Requirements
- Federal Lending Regulation to Include:
- The Equal Credit Opportunity Act, Regulation B
- Definition of Appraisal
- Notice of the Right to Receive a Copy of an Appraisal
- The Fair housing Act
- Truth-in-Lending / Real Estate Settlement Procedures Act
- Loan Estimate Disclosure
- The Closing Disclosure
- The Home Mortgage Disclosure Act
- The Flood Disaster Protection Act
The IBA will provide continental breakfast, lunch and refreshment breaks each day at the Center for Professional Development.
Dress: Business casual attire is appropriate for all IBA programs. Due to temperature variation in meeting rooms, please bring a sweater or jacket for your comfort.
Requirements and Regulations
Participants are expected to attend all sessions. Absences are excused only because of illness, catastrophe or extenuating circumstances, based upon a written statement submitted to, and approved by, the IBA Board of Education.
For additional information please contact:
Laurie Rees, Vice President, Education & Training
Marcy Borden, Education Coordinator
Elizabeth Kilty, Education Coordinator
IBA Education & Training Department - 317-387-9380
If an application is not accepted, payment is returned. Any registrant withdrawing on or before April 1, 2019, receives a refund less a 10% cancellation fee. For registrants withdrawing after April 1, but on or before April 5, the refund is less a 50% cancellation fee. Any registrant withdrawing after April 5, 2019, or who is a “no show” forfeits the entire tuition. All requests for refunds must be submitted in writing. Extenuating circumstances are reviewed on an individual basis. Substitutions are permitted without added cost or penalty.
Participation in IBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or non-member rates.
Note: You will receive an e-mail confirmation upon registration or you may call the Association Office to verify your registration.