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Title:

Handling Loan Applications - What Can Go Wrong?

SKU:WC-1035761
Date / Time: Recorded
Format: Webcast
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Description:

Handling Loan Applications - What Can Go Wrong?

Do you know how the term "application" is defined in all of the lending regulations? Do your lenders and front line staff understand the difference between an application and an inquiry? Join this fast-paced webinar to understand the application process with step by step instructions and actual examples that explain the requirements of several confusing regulations in terms that are easy to understand.

BONUS - Reg Z REQUIRES that loan originators have "periodic training" to ensure "knowledge of Federal legal requirements that apply to the individual loan originator's loan origination activities." This session will satisfy a significant portion of this 2018 TRAINING REQUIREMENT.

Covered Topics:
  • Learn what specific information will help you to handle applications correctly
  • What are the top five mistakes made in application processing?
  • Overview of application and timing of disclosures for consumer, mortgage, and commercial loan applications
  • When does an application have to be in writing? Does it have to be signed? What are the signature rules for applications?
  • What are the rules for appraisal copies? Reg B did NOT exempt commercial purpose loans secured by a 1st lien on a 1-4 dwelling
  • How do you properly document the “joint intent” to apply?
  • When is an adverse action notice required? What must it contain? Who receives one?
  • When can you pull a credit bureau? What documentation should be kept?
  • Recap of the collection of "demographic information" for HMDA reportable applications under the 2018 rules
Who Should Attend

This informative session will benefit loan officers, loan assistants, loan operations staff, compliance officers, auditors, and trainers. Covered topics will be included for consumer, mortgage, and commercial lenders.

The Presenter

Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training.

Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real life examples.

Cannot Attend The Live Presentation?

This presentation is also available in a recorded format, in On-Demand Or CD versions, as shown in the pricing options below.
About Webcasts / Audio Conferences / Podcasts:Webcasts, audio conferences, and podcasts are presentations that you attend via the Internet, phone, or mobile device at a specified date and time for "live" versions, or at your convenience for "recorded" and "On-Demand" versions.

The live versions are interactive, meaning that participants can ask questions in real time, plus are a very cost-effective form of training because 1) you receive fast, convenient learning without any out-of-office time; 2) you can invite as many colleagues as you'd like to listen in on a single phone line; 3) you incur no travel expenses; and 4) you and your colleagues are back at work immediately after the session ends!

And though with recorded versions you do lose the ability to ask questions, you gain the ability to hear the presentation numerous times and to share it with others in your office.

Handout materials and the phone number for live presentations are made available to you prior to the event via email from the presenter and from the "MyAccount" link on the menu bar. Copies of the presentations are included with recorded versions.

About The Provider: Your Partner for Ensuring an Engaged, Compliant Workforce Financial institution regulations are constantly changing. That means preparing your team needs continual attention, including the frontlines, compliance team, executive leadership and board of directors. Wouldn’t life be easier if you had one place to go for all your compliance and professional education needs? You’ll find what you need from OnCourse Learning.

We bring you:
  • 40+ Years of Experience
  • 600+ Engaging Online Courses
  • 450+ Live & OnDemand Webinars
Webinar Descriptions, BankWebinars.com:

Live Session:
Attend the live session with the opportunity to ask questions to the presenter. You also receive a link to the handouts. All registrations for a live event will be given access to the OnDemand recording, at no additional cost, for 30 days following the event. This will allow a flexible alternative when last-minute conflicts intrude on scheduled events.

Live + OnDemand:
Includes two of the options above. Live session and 365 days access to On-Demand weblink plus a link to handouts.

Live + OnDemand & CD:
Includes all three options above. Live Session, 365 days of OnDemand, and CD-ROM plus handout links.
More Info: Contact Us For More Information
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