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DESCRIPTION:As credit union members emerge from the devastating consequence
 s of the economic recession\, there will be an increased demand for credit
  from consumers that have postponed borrowing until confidence in the econ
 omy returns. Nationwide financial institutions are preparing for the “pent
 -up” credit demand with new products and training for lenders in order to 
 maximize their lenders’ ability to capture every consumer loan possible. C
 onsumer loan competition will likely be fierce. Are you prepared? Credit u
 nions must position themselves to meet their members’ credit needs so that
  members look to their credit union first – not another financial institut
 ion. In addition to having the right consumer loan products\, underwriters
  must re-examine and adjust underwriting skills to the “next level” to opt
 imize the chances for successfully capturing every consumer loan at every 
 touch point. HIGHLIGHTS Refine the credit factors being analyzed to quickl
 y and efficiently make decisions on consumer loans “Read between the lines
 ” to better decide on loan requests Increase consumer loan opportunities b
 y appropriately approving additional loan products for applicants and answ
 er the question: Is there a consumer loan “magic bullet” that will bring i
 n more consumer loan volume? Analyze how the effects of the recession have
  affected consumers’ financial condition How the recession has impacted th
 e adequacy of borrowers’ credit scores and credit reports Connecting borro
 wers’ credit behavior before the recession and today Refresh underwriting 
 factor considerations to the 5 key underwriting criteria that should be co
 nsidered in every consumer loan request Negative credit conditions for con
 sumers\, which were not negative before the recession Know when to use “de
 ep-dive” (full investigation) underwriting techniques with consumer loans 
 and when a less investigative underwriting approach should be applied Reta
 in existing borrowers\, recapture members that have borrowed from other fi
 nancial institutions\, and increase consumer loan volume WHO SHOULD ATTEND
 ? This informative session will be useful for CFOs\, CLOs\, lending office
 rs\, and others who work in lending. ABOUT THE PRESENTER – Bruce Hull\, Cl
 iftonLarsonAllen LLP Bruce Hull has more than 30 years’ lending experience
 . His knowledge and ability to communicate have made him a sought-after sp
 eaker in the areas of lending\, collections\, and sales. Bruce has served 
 in several capacities\, including: the VP of lending for two large credit 
 unions\; the director of collections\; a lender in two banks and a savings
  and loan\; a lending professional with one of the nation’s top credit uni
 on audit firms\; and an expert witness in loan fraud and bond claim cases.
  Bruce has been a frequent presenter at conferences around the country for
  20+ years\, including NCUA seminars. He attended the University of Nevada
  in Reno and earned a Retail Banking Diploma from the American Institute o
 f Banking. PLEASE NOTE: Your registration fee allows you to have one telep
 hone connection. However\, as many people as you like may listen from your
  office speaker phone. If you register for the webinar\, your registration
  fee also includes one internet connection from a single computer terminal
 . THREE REGISTRATION OPTIONS 1. LIVE WEBINAR The LIVE WEBINAR option allow
 s you to have one telephone connection for the audio portion and one Inter
 net connection (from a single computer terminal) to view online visuals as
  the presentation is delivered. You may have as many people as you like li
 sten from your office speaker phone. Registrants receive a toll-free numbe
 r and pass code that will allow entrance to the seminar. The session will 
 be approximately 90 minutes\, including question and answer sessions. Semi
 nar materials\, including instructions\, pin number\, and handouts will be
  emailed to you prior to the broadcast. You will need the most current ver
 sion of Adobe Reader available free at www.adobe.com. 2. ON-DEMAND WEB LIN
 K** AND FREE CD ROM* Can't attend the live webinar? The ON-DEMAND WEB LINK
 ** is a recording of the live event including audio\, visuals\, and handou
 ts. We even provide the presenter's email address so you may ask follow-up
  questions. Approximately 1 week prior to the webinar\, you will receive a
 n email with the web link. This web link can be viewed anytime 24/7\, begi
 nning 6 business days AFTER the webinar and will expire 6 months after the
  live program date. But there's more . . . AS AN ADDED BONUS\, you will al
 so receive a FREE audio/visual CD ROM.* The CD ROM includes the original a
 udio/visual presentation\, the question and answer sessions\, and the hand
 outs. Use the on-demand link or this "off-the-shelf" training program for 
 those that could not attend the live seminar and for future training. 3. B
 OTH LIVE WEBINAR AND ON-DEMAND WEB LINK** (INCLUDES FREE CD-ROM*) Includes
  options 1 and 2 above *CD Rom for PC use only **All materials are subject
  to copyright and intended for your credit union's use only. NEW! Listen o
 n your iPad\, iPhone\, or Android. Instructions will be emailed to you wit
 h the on-demand link. INVESTMENT: $199.00 Webinar per connection $199.00 A
 rchived On-Demand Web Link &amp\; Free CD ROM $249.00 Both Live Webinar &a
 mp\; Archived On-Demand Web Link &amp\; Free CD ROM TIME: 3:00 p.m. - 4:30
  p.m. To register and pay by check\, email mzelinsky@njcul.org and your cr
 edit union will be invoiced. To register and pay online\, click here.
DTEND;TZID=Eastern Standard Time:20121023T163000
DTSTAMP:20130521T125537
DTSTART;TZID=Eastern Standard Time:20121023T150000
LOCATION:
SEQUENCE:0
SUMMARY:> Webinar: Advanced Underwriting Skills for Consumer Loans
UID:c59b0323-6e6c-4722-9edc-511fb33c9f51
URL:http://www.njcul.org/-webinar-advanced-underwriting-skills-for-consumer
 -loans-2012-10-23.aspx
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