Sheshunoff

Consumer loan officers have helped customers get auto, home improvement, and other consumer-related loans. Real estate lenders have focused on home mortgages, and commercial loan officers have been responsible for small business loans. Today’s competitive banking environment demands that your lending business operate at maximum efficiency to ensure that you maximize profitability on every loan. That’s why every loan officer needs to be able to handle all three kinds of business for your bank.

This manual is the only resource that gives your lending officers a guide to properly and efficiently make all three types of loans. Whether you choose to maintain lending specialists at various desks, or create a staff of full-service lenders, this comprehensive resource covers all aspects of making and administering loans to families and small businesses. So one officer at each branch can handle all aspects of the loan, and a single underwriter at a back room location can underwrite all three kinds of loans too.

• Provides guidance for making, documenting, and administering loans
• Gives you the rules for collecting problem loans (what to do, and what not to do)
• Gives you two proven underwriting models for greater lending efficiencies
• Delivers practical guidance to make your consumer and small business lending operations more efficient through centralized and combined operations
• Presents a methodology for making all three types of loans from a centralized location, adapted from systems being used successfully by multi-billion dollar banks, tailored to meet the needs of a community bank
• Explains how to use improved underwriting techniques to significantly improve the effectiveness and efficiencies of decentralized lending

You might also be interested in:

• Consumer Lending Compliance Service