Loan Granting

Examines the loan application, loan policies, credit analysis, adverse action, salesmanship and innovation.

Format: lectures, exercise and take-home materials
Length: 2-4 hours
Presented by: Dan Cox, senior consultant

Collections

Describes classifications of past-due accounts, collection techniques, special delinquency problems and bankruptcy prevention.

Format: lectures, exercise and take-home materials
Length: 2-4 hours
Presented by: Dan Cox, senior consultant

Lending

Includes loan interviewing, financial counseling, documentation and loan monitoring.

Format: lecture, exercise and Q & A.
Length: 2-4 hours
Presented by: Dan Cox, senior consultant

Lending Products and Regulations

Examines federal laws and regulations used in processing consumer loans, accounts and bankruptcy.

Format: lectures, exercise and take-home materials
Length: 4-8 hours
Presented by: Dan Cox, senior consultant

Loan Granting/Credit Granting

Bankruptcy prevention, factors of credit/risk analysis, loan policy development and salesmanship.

Format: lecture, exercise, Q & A and take-home materials
Length: 2-4 hours
Presented by: Dan Cox, senior consultant

Advanced Credit Granting

Risk-based pricing, identifying member profiles, risk analysis and salesmanship.

Format: lecture, exercise and Q & A
Length: 2-4 hours
Presented by: Dan Cox, senior consultant

Debt Counseling

Phases of counseling, uses of financial forms and counseling techniques to assist members in enhancing their financial health.

Format: lecture, exercise, Q & A and take-home materials
Length: 2-4 hours
Presented by: Dan Cox, senior consultant

Bankruptcy and Court Proceedings

Reviews bankruptcy chapters, documents, automatic stay and creditors meeting, as well as bankruptcy protections and recovery.

Format: lecture
Length: 2-4 hours
Presented by: ICUL staff

Bankruptcy Autopsies

Dissect real bankruptcies - see what went wrong. Learn to detect patterns of behavior so you may start counseling and implementing procedures that will protect both your credit union’s assets and your member’s credit record.

Format: lectures and exercise
Length: 2-4 hours
Presented by: Dan Cox, senior consultant​