This comprehensive overview of the consumer lending business covers the essentials about closed-end loans, direct and indirect lending, and open-end credit products. You will trace the consumer lending process from developing and taking loan applications to collection and recovery. Consumer Lending reviews the credit investigation process and how loan decisions are made. You will develop a greater understanding for client relationship building and the importance of consumer regulations.
Other key topic areas include:
- the loan application generating process
- how effective marketing increases loan outstandings and application volume
- consumer loan information sources and the credit verification process
- how the five C's of credit are used in credit evaluation and decision making
- factors affecting loan pricing and loan structuring
- loan documentation
- laws and regulations important to the lending process
Special Features include:
- Real-life situations faced by bankers assisting consumer loan clients
- "Did You Know" boxes throughout the textbook on banking facts
- Lists of additional resources, including Web sites
- A comprehensive end-of-chapter summary that highlights the major concepts
- Term definitions in chapter sidebars and a glossary of terms and the end of the textbook
- A sample bank compliance policy and a sample bank consumer lending policy
- An extended case study of a bank's lending function, including balance sheets, income statements, portfolio reports, profit and loss reports, and interest rate analysis
- One hundred exhibits
- A detailed index
ABA sponsored delivery options for this course material include: In-class, instructor-led, and instructor-guided online internet delivery.
Recommended Instructional Hours: 15-30-45
Recommended AIB Credit: 1-2-3
ICB Credit: 15-30-45 (CLBB)
Text
Softbound, 438 pages, 2006
Catalog #3003268
Member Discount: $75.00
List Price: $108.00
Instructor Manual
CD-ROM, 2006
Catalog #3003269
Member Discount: $45.00
List Price: $65.00
