Bank Lending for the Retail Manager 2019 | Independent Community Bankers of America (ICBA) | 19 November 2019 |

Attend this webinar to learn how banks make credit decisions based on the five (5) C’s of credit- capacity (cash flow), capital (debt to equity), collateral (assets pledged), conditions (economic influence), and character (willingness to repay)!

The webinar will cover the basics of the three (3) main areas of lending- consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real life “case studies” including cash flow analysis.
The attendee will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the lending process. Additionally, the basics of loan compliance will be provided including Reg B, Z, TRID, BSA, and Fair Credit Reporting.

Learning Objectives:
• Gain an understanding of how banks make lending decisions based on the five (5) C’s of credit
• Learn about the three (3) main areas of lending
• Apply the three areas to individual “case studies” including cash flow analysis
• Review the basics of loan structure, loan support, documentation, and loan compliance.

2019 Speakers

Osburn David L.
Founder, Osburn and Associates, LLC

2019 Sponsors

DIAMOND SPONSOR:
• kony DBX

PLATINUM SPONSOR:
• HARLAND CLARKE

GOLD SPONSORS:
• aws
• 12cinc.com
• IBM
• InterSystems
• MX
• pwc
• Q2
• Technisys
• TotalExpert
• westMONROE

SILVER SPONSORS:
• Deloitte
• DocuSign
• FIS
• fiserv
• Google Cloud
• HORIZN
• Mitek
• PEGA
• protiviti
• SAP
• sas
• tyfone
• verizon

BRONZE SPONSORS:
• ca technologies
• Sensibill

DEMO SPONSORS:
• Appway
• bakehill
• BILLSHARK
• Bottomline
• DocuSign
• glia
• HORIZN
• LaCid
• LexisNexis
• ncino
• OneSpan
• PAYVERIS
• SpyCloud
• STREET SHARES PLATFORM
• ThousandEyes
• verizon

EXHIBITORS:
• ACCESS SOFTEK, INC.
• Alkami
• Alogent
• APITURE
• ARGO
• autobooks
• BACKBASE
• bancintranets
• BDI
• ClickSWITCH
• CLOUDFLARE
• CORNERSTONE
• CRMNEXT
• Cyxtera
• DB Banking Technology
• EDB POSTGRES
• ENVESTNET YODLEE
• EXTRACTABLE
• FICO
• FUTUREBANK
• Habitual.AI
• IDOLOGY
• Infosys Finacle
• JUDI.AI
• Leadfusion
• Lightico
• Lookout
• MALAUZAI
• NCR
• NEWGEN
• nextcaller
• NEXTSTEP
• NUCLEUS SOFTWARE
• NYMBUS
• payrailz
• personetics
• PLAID
• REDSQUARED
• REVEL
• RIPCORD
• RSM
• sou machines
• RWC GROUP
• TurnKey Lender
• unblu
• Upstart
• VALUE MOMENTUM
• widget works
• zenmonics

SUPPORTING SPONSORS:
• ondot
• Relay
• Softtek
• trustgrid
• zipwmp

INDUSTRY PARTNERS:
• ATT
• Aite
• AMERICAN BANKER
• Banking CIO Outlook
• CEX.IO
• cheddar business
• CREDIT UNION JOURNAL
• FINTECHFANS
• Fintech Americas
• FINTECH FINANCE
• FORRESTER
• ICOHOLDER
• JAVELIN
• PaymentsSource
• PLUGANDPLAY
• SmartMoneyMatch
• TS
• FinTech
• WealthTetch Club
• WM