Hybrid Delivery Options (select your preference when registering)IBA Center for Banking Excellence, Springfield OR Live Streamed9:00 a.m. to 4:00 p.m. CT (Day 1-2), 9:00 a.m. to 12:00 p.m. (Day 3)
The CurriculumThe 2025 Mortgage Lending School addresses the financial industry's most immediate and relevant training needs. This mini-institute provides real-estate lending professionals with a solid foundation of knowledge of real estate underwriting and compliance requirements, including exercises in underwriting. buying and selling mortgages in the secondary markets, construction lending, and today’s regulatory requirements. This school provides a practical, hands-on curriculum designed for learning by doing and for easy application at the bank, along with a small class size to increase networking opportunities and personalized instruction.
Who Should AttendBankers who have not been exposed to formal mortgage lending training and lenders who want to broaden their mortgage lending knowledge will benefit from the school. Attendees will be better prepared to serve effectively and profitably as mortgage loan officers. Students should have a solid foundation in the areas of accounting, financial statement analysis, and economics. This understanding can be evidenced by ABA courses, college courses, in-house programs, self-study, and/or experience. Students are expected to have had relevant banking experience prior to the school. This means a college degree, at least one year of experience, a high school diploma, and five years of banking experience.
Learning Outcomes
Loan Application & InterviewingVerifying IncomeVerifying Debt LevelVerifying Assets
Secondary Mortgage MarketPricing Loans & PortfoliosFannie Mae SalesPrivate Mortgage Insurance
Lending to Self-Employed BorrowersAnalyzing Tax ReturnsAnalyzing Personal Financial StatementsVarious Legal Structures
UnderwritingDebt RatiosMitigating FactorsConditional ApprovalsAutomated UnderwritingClosing Documentation
Regulatory ComplianceRESPA and TILA...TRIDECOA—Spousal SignaturesFair “Banking”Flood Disaster Protection ActFair Credit ReportingFair Debt Collection PracticesHome Mortgage Disclosure Act “HMDA”
Construction Financing & “Potential” Construction Site VisitDraw ScheduleReviewing Builders’ Financial StatementsGeneral Economic-Risk Factors
Loan OriginationsReferral NetworksSales-Management ToolsBank-Sponsored Sales Events
AppraisalsRole of the ReviewerSelection of AppraisersThe Uniform Residential Appraisal ReportThe Three Approaches To Determining Value• Cost Approach• Income Approach• Sales-Comparison AnalysisRed Flags to Look for on the Appraisal
Faculty LeaderThe faculty leader for the Mortgage Lending School represents a wealth of lending experience and the ability to communicate this experience in an effective and enjoyable manner.
Paul R. Osborne, Crowe LLP Osborne is a retired Partner from Crowe who, in 1994, directed the development and support of Financial Services Risk Consulting Services, focusing on internal audit, corporate governance, ESG, TPRM, mergers and acquisitions, consumer compliance, BSA/AML & terrorist financing risk assessments, BSA/AML independent audits, trust department operational & administrative reviews, cybersecurity, and IT systems audits. Before joining Crowe in 1994, Paul served in the role of Chief Compliance Officer for a multi-state $30B bank holding company. Retiring in 2024, Paul now provides regulatory instructional services for various banking organizations. Crowe LLP currently provides Risk Consulting Services to over 1,000 financial institution clients nationwide and internationally.
Continuing EducationUnder Review
Hotel InformationCourtyard - Springfield3462 Freedom Drive Springfield, IL 62704Hotel: 217-793-5300IBA Rate: 20% off the available rate
Fee Per Person IBA Member $745 | Nonmember $1245Includes the program, training materials, lunch, and refreshments.