Fundamentals of Consumer Lending Suite (ABA)


This suite of two courses explores the consumer lending process from terminology to the application process to customer communications. Completing this suite provides best practices for ensuring regulatory compliance and determining credit worthiness. Concise, impactful lessons can be applied on the job immediately.

Consumer Credit Basics
Guides you through the key attributes of consumer lending and establishes familiarity with common lending industry terms and features.  Understand how deposit and lending products can help minimize risk to the bank while still providing full-service to customers. Discover ways to respond appropriately to loan inquiries.

After successfully completing the course, you will be able to:
• Describe key lending attributes and terms
• Explain the role consumer lending plays in a bank’s profitability
• Explain the basics of consumer loans and lines
• Determine how to comply with loan inquiry and application regulations

Consumer Loan Process
Guides you through using the three-step consumer lending process, including customer service and regulatory considerations. Discover how to take a complete and accurate application, as well as evaluate the borrower’s ability and willingness to repay a loan. Explore best practices for communicating the loan decision and next steps.

After successfully completing the course, you will be able to:
• Examine the consumer lending process
• Describe the application step
• Describe the decisioning step
• Explain how to communicate the lending decision to your customer

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