Education & Events

Hybrid Delivery Options (select your preference when registering)
IBA Center for Banking Excellence, Springfield OR Live Streamed
9:00 a.m. to 4:00 p.m. CT

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The Curriculum
The 2024 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 Attend
Bankers 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 & Interviewing
Verifying Income
Verifying Debt Level
Verifying Assets

Secondary Mortgage Market
Pricing Loans & Portfolios
Fannie Mae Sales
Private Mortgage Insurance

Lending to Self-Employed Borrowers
Analyzing Tax Returns
Analyzing Personal Financial Statements
Various Legal Structures

Underwriting
Debt Ratios
Mitigating Factors
Conditional Approvals
Automated Underwriting
Closing Documentation

Regulatory Compliance
RESPA and TILA...TRID
ECOA—Spousal Signatures
Fair “Banking”
Flood Disaster Protection Act
Fair Credit Reporting
Fair Debt Collection Practices
Home Mortgage Disclosure Act “HMDA”

Construction Financing & “Potential” Construction Site Visit
Draw Schedule
Reviewing Builders’ Financial Statements
General Economic-Risk Factors

Loan Originations
Referral Networks
Sales-Management Tools
Bank-Sponsored Sales Events

Appraisals
Role of the Reviewer
Selection of Appraisers
The Uniform Residential Appraisal Report
The Three Approaches To Determining Value
• Cost Approach
• Income Approach
• Sales-Comparison Analysis
Red Flags to Look for on the Appraisal

Faculty Leader
The 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 Education
ABA Professional Certification 18 CRCM Credits

Hotel Information
Courtyard - Springfield
3462 Freedom Drive 
Springfield, IL 62704
Hotel: 217-793-5300
IBA Rate: 20% off the available rate

Fee Per Person 
IBA Member $745 | Nonmember $1245
Includes the program, training materials, lunch, and refreshments.