About This Course:
The American way in the past has been "buy today, pay tomorrow." However, since 2008, that philosophy has begun to change. Consumers started to see the mentality of "borrow, borrow, borrow" was dangerous because it easily could lead a person into financial disaster.
Despite the change there is still a need for any financial institution to offer consumer loans and to be able to effectively discuss the consumer loan products they offer.
What You Will Learn:
- The Philosophy Of Consumer Lending
- Why A Bank Offers Consumer Loans
- The Role Of Regulations On Consumer Lending
- The Effect Of Compliance On The Consumer Lending Market
- The Terminology Of Consumer Lending
- The Lending Mathematics In Making A Solid Loan Decision
- Ethics And The Role It Plays In Lending
- Understanding The Different Types Of Consumer Loan Products
- Risk Based Lending And How Loan Products Are Priced
- Customers Preference Usually Differs From That Of The Bank
Have a calculator, your organization's blank consumer loan applications, and be prepared for a down to earth exploration on consumer credit. Whether you are entering the world of consumer lending or have some limited experience, don't miss this opportunity.
Who Should Attend?
Employees starting to deal with consumer loans, entry-level consumer lenders, consumer credit personnel with one year or less of experience, and any employee who needs to understand consumer credit.
Your PresenterJohn Baptista, Jr. combines over three decades of experience in the financial industry and business world, with specialties in management, and customer service. He links his experience with that of being a seasoned veteran as a consultant and presenter of a variety of programs. With a lifetime of customer relations and "real world" experiences, he brings a unique learning dimension to each of his programs. He is an alumnus of the University Of Southern California and the University of San Diego.
