Learning Center Home

Map to Learning Center

2010 Learning Center Calendar

Infosight

Albuquerque Chapter of Credit Unions

Northern NM Chapter of Credit Unions

CPD Online

CUNA Training

CUNA Councils

2010 Lending Workshop

"Are You Ready for the Rebound?"

Wednesday, April 28 & Thursday, April 29

9:00 am to 4:30 p.m.

Day One—Lending Basics

Consumer Underwriting Issues
· Debt-to-income
· Loan-to-value
· Credit history and credit reports

Analyzing Personal Loan Applications and Financial Statements
· Initial review and importance of personal data
· Key assets and liabilities
· Determining adjusted net worth
· Other ratios
· Interpreting credit reports and scores

Introduction to Personal Tax Returns
· Advantages and disadvantages of using tax returns
· What are we looking for?
· Basics of constructing a personal cash flow
· Key tax return schedules, including sole
       proprietors and self-employed

Summary: Loan Underwriting Tips for Consumer Situations

Day Two—Managing the Lending Process

Detecting and Dealing with Problem Loans
· Recognizing loan structure issues that weaken existing credits
· Practical approaches to screening for weakened credits
· Steps to mitigate emerging problems or identified loan structure weaknesses
· Roundtable discussion of what is really working in today’s environment

The Four Potential Traps of Consumer Loan Portfolio Management
· Breakdown of your breakdown
· Retention at all costs
· Front-end focus
· Leap before you look

Moving Forward—Underwriting Home Equity Lines of Credit
· Update on the first mortgage industry and national housing market
· Reviewing appraisals and other valuation options
· Other issues and underwriting recommendations

What’s Around the Corner?
· The role of credit unions as the economy recovers
· Will asset-backed financing re-emerge for homes, cars and other consumer goods?
· Capitalizing on the advantage of membership
· Building a sales team for tomorrow

Your instructor: Richard Hamm

Richard Hamm provides consulting and training to banks, credit unions and businesses as owner of Advantage Consulting & Training in Huntsville, AL. He specializes in lending and credit training for banks and credit unions, director training, plus consulting on policies, bank formation, acquisition and strategic planning. He has also provided consulting and CFO-type services to businesses on issues such as optimization of capital structure and financing, strategic planning and treasury management. Mr. Hamm is a Certified Treasury Professional (CTP).

Who Should Attend

Loan interviewers, loan processors, loan officers, credit committee members, and managers/CEOs.

Investment

Your cost is $299 for this two-day workshop which covers all education materials, continental breakfasts and afternoon snacks for both days. Or you can attend a single day at $199. Lunch is on your own. A certificate of completion will be presented to registrants.

Location

CUANM Learning Center, 4200 Wolcott Ave. NE, Albuquerque, NM 87109.  For a map and directions, go to www.cuanmlearningcenter.org and click on “Map to CUANM.”

Scholarships Available

The Association Scholarship Fund has scholarships available for this school to New Mexico credit unions only.  Please contact Samantha Wells at the Association (800)366-6628 or 298-9899, ext. 2225 for an application and scholarship criteria. 

Please fill out a separate line for each participant. Submit additional registration forms as needed.