Recording - Bank Lending for the Retail Manager - Sp19

Course Length
90 mins

David Osburn



Presenter: David Osburn, Osburn & Associates, LLC

This 90-minute program will be presented live on: January 23, 2:00-3:30 p.m. Central 
Recording available through: April 23, 2019
Price: $275


Attend this proactive seminar and learn how banks make credit decisions based on the five C’s of credit- capacity (cash flow), capital (debt to equity), collateral (assets pledged), conditions (economic influence), and character (willingness to repay)!


The seminar will cover the basics of the three main areas of lending- consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real life case studies including cash flow analysis.


The attendee will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the lending process. Additionally, the basics of loan compliance will be provided including Reg B, Z, TRID, BSA, and Fair Credit Reporting.




  • Gain an understanding of how banks make lending decisions based on the five C’s of credit.
  • Learn about the three main areas of lending.
  • Apply the three areas to individual case studies including cash flow analysis
  • Review the basics of loan structure, loan support, documentation, and loan compliance.


Target Audience: Branch managers, relationship managers, loan documentation specialists, private bankers, business development officers and anyone new to the lending area

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