Consumer Lending Series: Consumer Underwriting 101

Consumer Lending Series: Consumer Underwriting 101: From Application to Approval

Tuesday, May 17, 2022
3:00 pm – 4:30 pm Eastern

“101” may actually represent the potential number of details in consumer lending.  This soup-to-nuts webinar will address all the steps in consumer lending so that you can navigate the process with accuracy and aplomb.


  • Articulate the purpose and objectives of the application
  • Ask the relevant and legal questions under Regulation B
  • Investigate the information submitted on an application 
  • Incorporate the applicant’s credit report into the investigation process
  • Evaluate an applicant’s capacity to pay by calculating the debt-to-income ratio and determining the cash flow generated from an applicant’s income tax return  


Proper analysis of consumer loan requests is more important today than any time in the history of banking because COVID-19 negatively affected many consumer borrowers and left them in a weaker financial condition.  For this reason, and because financial institutions must continue to grow their consumer loan portfolios safely, lending practices must be adjusted to ensure the next loan applicant is not becoming overextended and unable to meet his/her obligations. 

There are several steps that describe the consumer lending process, and they all end with a variation of the suffix “-tion” – which means “the act of.”  All steps are necessary to build a good consumer loan portfolio.  The “-tion” method in consumer lending includes regulation, initiation (business development), application, investigation, evaluation, decision, documentation, administration, and collection.


This webinar will benefit senior credit officers, senior loan officers, commercial lenders, consumer lenders, branch managers, assistant branch managers, personal bankers, loan review personnel, documentation specialists, and those interested in learning more about consumer lending.


  • Employee training log 
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits


Jeffery W. Johnson, MBA
Bankers Insight Group

Jeffery Johnson has been in financial services more than 40 years.  He has been VP and senior lender for a large regional bank and SVP and commercial banking division manager for a community financial institution.  Most of his career has been spent in credit administration, lending, business development, loan review, management, and training and development.  Over the last 17 years, Jeffery has provided training for several banking associations and individual financial institutions nationwide.

Jeffery holds a bachelor’s in accounting from Morehouse College in Atlanta, an MBA in finance from John Carroll University in Cleveland, a Diploma of Graduation from the Prochnow School of Banking at the University of Wisconsin-Madison, and a Graduate Certificate in Bank Management from the First American Management Institute at the University of Pennsylvania’s Wharton School of Business.

Attendance verification for CE credits provided upon request.

Webinar Sponsored by Financial Education & Development

If you are having issues with registering online, please contact CBAO's Education, Training & Special Events Coordinator, Malia Widder, (614) 610-1877.

Registration Options (Member/Non-Member Pricing)
Live Webinar ($265/$400) – The live webinar option allows you to have unlimited connections within your institution to virtually attend the Live Webinar. The session includes question and answer sessions, handout and take-away toolkit, and the presenters contact information for follow-up, will all be emailed to you the morning of the live webinar.

On-Demand Webinar + Free Digital Download ($295/$450
– Can’t attend the live webinar? This option provides a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address for follow-up questions. You will receive an email with the recorded webinar link, which can be viewed anytime 24/7, beginning 2 business days after the live webinar. You will also receive instruction on how to download a free digital copy of the webinar to your PC, which you may keep and use indefinitely.

Both Live Webinar & On-Demand Webinar + Free Digital Download ($395/$600
– Includes Live Webinar and Recorded Webinar options above.


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