Lending

Loans provide substantial income to financial institutions while offering a valuable service to clients and members. They also bring risk and necessitate adhering to innumerable government regulations. Through the sessions provided in this pathway, you will learn the details of lending, including regulations and management.

Lending

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  1. New GAAP Standard ASC 842: What This Means for Your Institution
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    • Live Session
    New GAAP Standard ASC 842: What This Means for Your Institution
    Scheduled for 60 minutes including question and answer period. Friday, August 19, 2022; 2:00 PM Eastern

    Commercial lending expert Dev Strischek will share the details of how new GAAP lease capitalization standards affect financial institutions. You will learn how to evaluate borrowers under the new rules.

    What You'll Learn

    • What are the key elements of the lease capitalization changes?
    • How does lease capitalization put both the lease liability and the right-of-use asset on the borrower’s balance sheet?
    • What items of financial condition and performance will the updates impact most?
    • How should you underwrite borrowers under the new GAAP?
    • Live Session
    New GAAP Standard ASC 842: What This Means for Your Institution
    Friday, August 19, 2022; 2:00 PM Eastern
    Dev Strischek
    From $189.00
  2. Commercial Loan Underwriting Certification
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    • Live Session
    • Certification
    Commercial Loan Underwriting Certification
    3 Sessions scheduled for 60 minutes including question and answer period. Tuesday, October 25 - Thursday, October 27, 2022; 12:30 PM Eastern

    Financial institution risk expert Dev Strischek will provide the details you need to underwrite commercial loans while reducing risk for your financial institution. The prestigious certification will demonstrate your competence and propel your career.

    Topics Covered

    • Foundations of good credit decisions
    • Logical evaluation of repayment sources
    • Collateral alternatives
    • Evaluating collateral risk
    • Purpose and psychology of owner guarantees
    • Types of guarantees
    • Live Session
    • Certification
    Commercial Loan Underwriting Certification
    Tuesday, October 25 - Thursday, October 27, 2022; 12:30 PM Eastern
    Dev Strischek
    From $399.00
  3. Advanced Commercial Loan Underwriting Certification
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    • On-Demand
    • Certification
    Advanced Commercial Loan Underwriting Certification

    Commercial lending expert Dev Strischek will provide deep insights that will enable you to underwrite loans with less risk and greater reward. You will learn how to evaluate borrowers through the lens of 2022 regulations, rates, and requirements.

    Topics Covered

    • Financial Performance
    • Financial Projections
    • Shareholder Value
    • On-Demand
    • Certification
    Advanced Commercial Loan Underwriting Certification
    Dev Strischek
    $399.00
  4. Fair Lending - Build A Better Program
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    • On-Demand
    Fair Lending - Build A Better Program

    Fair lending expert Rheanna Rodriguez will walk you through necessary policies and best practices. You will learn how to conduct a fair lending review of your institution’s lending programs using the FDIC fair lending scoping and conclusions memo.

    Topics Covered

    • What should your fair lending program include?
    • How can you enhance your existing fair lending program?
    • What are the fair lending risks at your institution?
    • How can you conduct a fair lending analysis?
    • What are the best practices for reviews, data collection, and analysis?
    • How will FDIC leadership changes affect fair lending scrutiny?
    • On-Demand
    Fair Lending - Build A Better Program
    Rheanna Rodriguez
    $189.00
  5. CFPB’s Final Rule On LIBOR Transition: How To Prepare For April 1, 2022
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    • On-Demand
    CFPB’s Final Rule On LIBOR Transition: How To Prepare For April 1, 2022

    Regulatory compliance counsel Michael Christians will share concrete steps you can follow to replace the LIBOR index in your institution. You will learn how to select an alternative, implement changes, and communicate with your borrowers about the transition.

    What You'll Learn

    • Why is the LIBOR index being replaced?
    • What replacement index should you use?
    • What are the transition requirements for your products?
  6. 6 New Truths In Lending Thresholds For 2022
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    • On-Demand
    6 New Truths In Lending Thresholds For 2022

    Leading attorney and compliance expert Michael Christians will reveal the proposed changes to the Regulation Z requirements. You will learn how to adapt before 2022 begins.

    What You'll Learn

    • The minimum interest charge for credit card accounts
    • Safe harbor amounts for credit card penalty fees
    • Points and fees thresholds for high-cost mortgages
    • Loan amounts for the qualified mortgage pricing test
    • Points and fees thresholds for qualified mortgages
    • On-Demand
    6 New Truths In Lending Thresholds For 2022
    Michael R. Christians
    $99.00
  7. BREAKING: SCOTUS Ends Eviction Moratorium: Implications For Your Financial Institutions
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    • On-Demand
    BREAKING: SCOTUS Ends Eviction Moratorium: Implications For Your Financial Institutions

    Legal expert Daniel Cotter will explain how the end of the foreclosure moratorium will affect your financial institution. You will learn how to handle mortgages currently in default.

    What You'll Learn

    • How does the Supreme Court decision limit you from proceeding with foreclosures?
    • What impact does the pandemic continue to have on defaults?
    • What action should you take since the moratorium ended?
    • How do student loan debt protections affect financial institutions?
    • What will increased defaults mean for your institution?
  8. How To Prepare For The Foreclosure Moratorium To End On July 31
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    • On-Demand
    How To Prepare For The Foreclosure Moratorium To End On July 31

    Legal expert Daniel Cotter will explain how the end of the foreclosure moratorium will affect your financial institution. You will learn how to prepare now for July 31.

    What You'll Learn

    • What impact does the pandemic continue to have on defaults?
    • What should you do when the moratorium on home foreclosures ends?
    • How do student loan debt protections affect financial institutions?
    • What will increased defaults mean for your institution?
  9. Breaking: CFPB’s Decision To Resume MLA Examinations: What You Must Know
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    Breaking: CFPB’s Decision To Resume MLA Examinations: What You Must Know

    Legal expert Daniel Cotter will distill the essential details of the CFPB June 16 interpretive rule. You will discover the impact of the resumption of MLA investigations and learn how to prepare.

    What You'll Learn

    • What does the Military Lending Act cover?
    • Who is subject to the MLA?
    • What does the CFPB’s change in position mean for your institution?
    • How should you prepare now for examinations to resume?
  10. FDCPA Final Rules: How To Comply
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    • On-Demand
    FDCPA Final Rules: How To Comply

    Nationwide compliance consultant Molly Stull will distill the essential details from these massive documents and explain how to apply them to your institution. You will learn how to prevent conduct that violates the prohibition on harassing, oppressive, or abusive actions during the debt collection process.

    Topics Covered

    • How do the November 2020 and December 2020 Final Rules work together?
    • What critical terminology and definitions can help you understand the FDCPA?
    • How do multi-channel rules affect emails, text messages, and voicemails?
    • How should you calculate call restrictions?
    • What prohibitions on time and place exist?
    • How should you handle written disputes from a consumer?
    • What are the components of the Model Validation Notice?
    • How should you calculate the timing of a validation notice?
  11. Loan Appraisals And Evaluations: Rules, Requirements, And Review
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    • On-Demand
    Loan Appraisals And Evaluations: Rules, Requirements, And Review

    Community banking expert Dawn Kincaid will share policies, procedures, checklists, and a sample residential loan appraisal. You will learn how to optimize your appraisal process to ensure accuracy and please examiners.

    Topics Covered

    • What are the appraisal rule requirements and thresholds?
    • What are examiners’ expectations for appraisals?
    • When is a full appraisal required instead of an evaluation?
    • How should you conduct appraisal reviews?
  12. Consumer Lending Documentation Compliance 101
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    • On-Demand
    Consumer Lending Documentation Compliance 101

    Community banking expert Dawn Kincaid will show you how to avoid mistakes when preparing consumer loan documentation. You will learn how to review files, ensure compliance, and protect your institution.

    Topics Covered

    • How can you review a consumer application for completeness?
    • What are the requirements for credit report usage?
    • For which loans must GMI be collected?
    • What checklists should you use to verify loan file documentation?
    • What are the best practices for documenting BSA requirements?
    • What key regulatory items should you look for when auditing loan files?

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