NOW VIRTUAL! 2020 Consumer Lending School
Please note that the safety and health of our members is our top priority. This program has been converted to a virtual setting due to the COVID-19 pandemic.
This program will take place as a webinar. Registered attendees will receive a recording of the program.
The course is designed to prepare bankers who accept consumer loan requests to analyze the typical metrics used to approve these requests. Instructor Andy Nenni will provide an overview of the consumer lending environment and how lenders should consider credit scores, loan-to-value, and debt-to-income when assessing loan decisions. Discussions will also include mitigating issues with repayment history and higher than acceptable debt loads. Participants will be guided through case studies to reinforce concepts.
Learning objectives include:
- Brief overview of consumer lending regulations
- Describe typical loan products, terms and advance rates
- Review credit bureau reports
- Analyze a personal financial statement
- Identify repayment sources using stated income, paystubs, and tax returns including a brief introduction to self-employed borrowers
This program should be attended by lending staff seeking an introductory understanding of consumer credit. The course will benefit lenders with loan authority and lenders operating in a centralized lending environment.
Andy Nenni – Chief Credit Officer, Movement Bank
Andy Nenni has been providing training and coaching for bankers involved in consumer and commercial lending and has created custom training programs for banking associations and financial institutions. Courses include improving sales, consumer lending basics, performing real estate evaluations, and beginner through advanced C&I and CRE underwriting skills. Andy weaves over fifteen years of banking experiences and stories into each class and uses real world examples to reinforce concepts and entertain attendees. He has served as a Personal Banker, Credit Analyst, Commercial Lender, and Chief Credit Officer in community and national banks. Andy earned a Bachelor of Science in Accounting at Kansas State University and a Masters of Business Administration at East Carolina University.