Basic Consumer Lending: Part 2

This two part series employs practical techniques that will result in increased loan volume and higher quality loans. In addition to lectures, case studies will be used.

As regulators have become more and more concerned about commercial real estate exposure in commercial banks, consumer lending has returned as a viable source of earning assets. In addition to risk diversification, improved interest rate spreads derive from a strong consumer loan process. Declining real estate values and credit scores create quite the challenge for today’s lenders. Professional lenders require two distinct skill sets: sales skills and underwriting skills.


  • Credit Scoring
  • Validating Your Cut-Off Scores
  • Employment Verification
  • Measuring the Capacity to Pay
  • Measuring Willingness to Pay
  • Collateral Considerations
  • Documenting the Approval Process


The primary audience is consumer lenders with new business development and basic lending responsibilities. Participants may attend either or both sessions. However,  it is recommended that you participate in both to gain the maximum benefit from the course of instruction.


David Kemp is President of Bankers Management, Inc., (BMI) a nationally recognized company in financial services training and consulting. Prior to forming BMI, he served as VP/Director of Credit Services–Cannon Financial Institute, where he trained bankers nationwide. He also delivered credit and sales training to banking associations and financial institutions.  Before joining Cannon, David was Vice President of Corporate Finance with Citicorp North America. 

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2.5 hrs./session CLBB (self-reporting).


Live Webinar:

Member price: $265.00 | Non member price $530.00

On-Demand Webinar

Member price: $280.00 | Non member price $560.00


Online: Visit the CBA Webinar Catalog

Mail: Click here and mail completed form with check payable to ConferenceEdge to: (Mail at least 10 days prior to event)

1516 Xavier St., Ste 500, Denver, CO 80204

Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments only)

Please Note:

  • Preferred Payment Method: Online
  • Please register online or by phone when paying with a credit card
  • Payment Must Accompany Registration – Invoices are Not Provided

Register online up to day of event. Earlier registration allows time to check your computer for an optimal experience.