<p> LENDING SERVICE TRAINING SCHEDULE 144 hours</p><p>NAME:______BRANCH:______</p><p>REQUIRED COMPLETED CERTIFIED FUNCTION REPITITIONS REPITITIONS EMPL TRAINER</p><p> Lending philosophy (2 hours) ______</p><p> Confidentiality (½ hour) ______</p><p> Policies – working knowledge of CUofTX Board approved Loan policies. All sections are understood. (10 hours) ______</p><p> Sales Skills (4 hours)  Cross selling loan products ______ Matching products to needs ______</p><p> Interest rates/Loan terms (2 hours) ______</p><p> 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</p><p> 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 ______</p><p> Interpreting credit reports 5 ______</p><p> Collateral valuation 5 ______</p><p> Decision making  Green/yellow/red light loans 5 ______ Approvals 6 ______ Denials 4 ______ Incomplete applications 2 ______ Counter offers 4 ______</p><p> Revoking expired applications 2 ______</p><p> 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</p><p> CD/share secured 3 ______ Mechanics liens (2 hours)  Home equity (2 hours)  Bill consolidation 4 ______ Other collateral 5 ______</p><p> CBT Training  Regulation Z (Truth in Lending) 1 ______ Fair Credit Reporting Act (FCRA) 1 ______ Regulation B (Equal Credit Opportunity Act) 1 ______</p><p> Special programs  Collateral protection insurance (2 hours) ______ The Auto Market (3 hours) ______ Leasing (2 hours) ______ Mechanical breakdown insurance (2 hours) ______</p><p> Title work  Fees 5 ______ Documentation 5 ______</p><p> Funding details  Collateral description 3 ______ Due dates 3 ______REQUIRED COMPLETED CERTIFIED FUNCTION REPITITIONS REPITITIONS EMPL TRAINER</p><p> Credit life/disability 2 ______ Drafting 3 ______</p><p> Documents  Printing 2 ______ Organization 8 ______ Filing 2 ______</p><p>TRAINING CERTIFICATION:</p><p>TRAINEE:______DATE:______</p><p>TRAINER:______DATE:______</p><p>PHASE IV CERTIFICATION:______DATE:______</p>