Consumer and Commercial Lending Documentation

Mar 21, 2018 to Mar 22, 2018
IBA Center for ProfessionalDevelopment
8425 Woodfield Crossing Blvd., Suite 155E
Program Overview: 

Click Here for a PDF Brochure

The purpose of this two-day program is to provide bankers with a thorough understanding of both consumer and commercial loans. The entire loan documentation process will be discussed from initial application and underwriting to loan closing and through repayment. The program will also identify regulatory compliance issues that impact both consumer and small business loans. 


Consumer Loan Documentation

  • The Consumer Loan Application
  • The Consumer’s Credit Report
  • The Decision-Making Process
  • The Note, Truth-in-Lending Disclosure and Security Agreement
  • Collateral Valuation and Collateral Attachment
  • Fair Lending Regulations will include:
    • Regulation P
    • Regulation B
    • Regulation Z (Right of Rescission and Home Owner’s Equity Protection Act)
    • Fair Credit Reporting Act
    • Flood Insurance Requirements

Commercial Loan Documentation

  • The Elements of a Commercial Loan Credit Memorandum
  • Specific Commercial Loan Documentation
    • The note, security agreement and mortgage/deed of trust
    • Certificate of Good Standing
    • Borrowing Authority
    • Operating Agreement
    • Commercial Loan Agreements (Affirmative and Negative Covenants)
  • Collateral Attachment and Lien Perfection
    • Commercial Security Agreement
    • UCC1 Filings and Lien Searches
  • Collateral Valuation and Related Issues
    • Commercial Appraisals (Income Approach and Capitalization Rates)
    • Property Surveys
    • Title Insurance Commitments and Final Title Policies
    • Environmental Assessments
    • Rent Rolls
  • Personal Guarantees



In his banking career which spans 40 years, John Cochran has served in various lending and senior management positions including President and CEO of a community bank. John established Cochran Associates LLC in 2000 to provide bank training and consulting services. To date, he has presented lending seminars for many state bank associations and annually participates in ten commercial lending schools as a principal instructor or sole presenter.  He has been the lead faculty member of the Missouri School of Lending since 1990.  John is also on the faculty of the Pacific Coast Banking School where he presents a series of lectures on Credit Risk Management. When their schedules permit, John and his wife, Pam, enjoy camping, canoeing and fly fishing Missouri’s trout streams.



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 or by calling 317-387-9380.

Who Should Attend

Chief Credit Officers, Commercial Lenders, Consumer Lenders, and Members of the bank’s Credit Administration Department, including Loan Assistants. 




The following fees include the program, training materials, continental breakfast, lunch and refreshments:

IBA Members                              

$425 First Person                         

$355 Additional Attendees from Same Institution 




Additional Information: 

Day Two

  • 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.  

General Information
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.

Association Contact: 

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

Cancellation Policy: 

Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. Within two days prior, 50% of the fee is assessed. Refunds are not provided for cancellations 1 day prior or on the day of the program. Substitutions are welcome at anytime.


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