Function Repititions Repititions Empl Trainer s1

LENDING SERVICE TRAINING SCHEDULE 144 hours

NAME:______BRANCH:______

REQUIRED COMPLETED CERTIFIED FUNCTION REPITITIONS REPITITIONS EMPL TRAINER

 Lending philosophy (2 hours) ______

 Confidentiality (½ hour) ______

 Policies – working knowledge of CUofTX Board approved Loan policies. All sections are understood. (10 hours) ______

 Sales Skills (4 hours)  Cross selling loan products ______ Matching products to needs ______

 Interest rates/Loan terms (2 hours) ______

 Application process  ALPs  Loading a loan 8 ______ Debt ratio calculations 8 ______ Document tracking 8 ______ Disbursement instructions 8 ______ Interviewing the member 8 ______REQUIRED COMPLETED CERTIFIED FUNCTION REPITITIONS REPITITIONS EMPL TRAINER

 Analytical Skills (8 hours)  Building a loan ______ Three signs of bankruptcy ______1. Unsecured debt as a percentage of annual income 2. Escalating unsecured debt 3. Outstanding unsecured debt as a percentage of credit limit  Credit Scores ______

 Interpreting credit reports 5 ______

 Collateral valuation 5 ______

 Decision making  Green/yellow/red light loans 5 ______ Approvals 6 ______ Denials 4 ______ Incomplete applications 2 ______ Counter offers 4 ______

 Revoking expired applications 2 ______

 Loan types/forms  New/used autos 5 ______ Private owner auto purchases 5 ______ Refinances from another institution 5 ______ Unsecured/line of credit 3 ______ Credit cards 3 ______REQUIRED COMPLETED CERTIFIED FUNCTION REPITITIONS REPITITIONS EMPL TRAINER

 CD/share secured 3 ______ Mechanics liens (2 hours)  Home equity (2 hours)  Bill consolidation 4 ______ Other collateral 5 ______

 CBT Training  Regulation Z (Truth in Lending) 1 ______ Fair Credit Reporting Act (FCRA) 1 ______ Regulation B (Equal Credit Opportunity Act) 1 ______

 Special programs  Collateral protection insurance (2 hours) ______ The Auto Market (3 hours) ______ Leasing (2 hours) ______ Mechanical breakdown insurance (2 hours) ______

 Title work  Fees 5 ______ Documentation 5 ______

 Funding details  Collateral description 3 ______ Due dates 3 ______REQUIRED COMPLETED CERTIFIED FUNCTION REPITITIONS REPITITIONS EMPL TRAINER

 Credit life/disability 2 ______ Drafting 3 ______

 Documents  Printing 2 ______ Organization 8 ______ Filing 2 ______

TRAINING CERTIFICATION:

TRAINEE:______DATE:______

TRAINER:______DATE:______

PHASE IV CERTIFICATION:______DATE:______