INTRODUCTION TO CONSUMER LENDING 2008
December 4-5, 2008:Airport Marriott - Orlando
Speaker: David Kemp - President - Bankers Management, Inc.

Consumer debt has steadily increased over the past five years and has reached alarming levels. For this reason, it is important for bankers to tighten their lending practices to insure the next consumer applicant is not becoming overextended and unable to meet their obligations. This seminar introduces the consumer lending process from the initial application to closing and documentation. It will follow the steps required to successful consumer lending including the: Application, Interview, Investigation, Evaluation, Decision, Regulation and Documentation. The method of instruction will utilize case studies to reinforce the concepts presented in the course and improve the quality of the credit decision.

Program Highlights
After completing this seminar, the participant will be able to:
v Conduct an interview
v Investigate the applicant
v Perform credit analysis utilizing the five C’s of credit principles
v Know how to approve or decline a loan
v Recognize the important regulations covering consumer lending
v Analyze the Self Employed Borrower
v Understand the five steps in the documentation process
v Understand the updated changes in bankruptcy law

Upon completion, the participants will have a better understanding of what areas to emphasize when underwriting consumer loans and will be able to place this knowledge into practice immediately upon return to their respective banks.

Who Should Attend
Those who should attend this very important seminar are: Credit Officers, Credit Analysts, Branch Managers, Compliance Officers, Loan Support Personnel, Commercial Lenders and Consumer Lenders.

Meet the Speaker
David Kemp is President of Bankers Management, Inc., a nationally recognized company in financial services training and bank consulting. Previous to forming his own company, he served as Vice President, Director of Credit Services - Cannon Financial Institute in Athens, Georgia, where he trained bankers nationwide in Cannon Lending Schools, as well as through Banking Associations, and in tailored credit and sales training sessions for individual financial institutions. Mr. Kemp has more than twenty years experience and management responsibility in the areas of consulting, training, credit administration and new business development. His areas of expertise include: all types of commercial lending, consumer lending, portfolio management, real estate lending, workouts and director responsibilities.

Seminar Schedule for Both Days
8:30 a.m. - Registration
9:00 a.m. - Meeting
4:00 p.m. - Adjournment

A brochure will be available to download approximately 60 days before the event.