2018 Commercial & Consumer Lending...

2018 Commercial & Consumer Lending Credit Training

Monday October 22, 2018
2405 N Front Street, Harrisburg



SESSION A: Consumer Lending

The focus of this course will be the activities associated with processing a consumer lending request and the elements that go into a consumer lending decision. Attention must be paid to staying in compliance with some of the major consumer lending regulations.

The course will discuss:

  • An overview of the major regulations and how they affect every aspect of the
  • Taking the consumer loan application
  • Evaluating the key elements of a consumer lending


 8:30 a.m. Consumer Regulation and the loan application

  • Regulations: CRA, B, Z, HMDA, Bank Secrecy, Flood Disaster, RESPA

 Application review

  • What is acceptable and unacceptable identification?
  • What are the sections of the application, how are they used and why each is

   Key elements in the credit decision

  • Employment and residence
  • Credit bureau reports
  • Debt to income ratio
  • Credit score

 10:15  a.m. Break

10:30 a.m. Program Continues

  • Analyzing the 1040
  • Personal financial statements
  • Making the decision

12:00 p.m. – Luncheon



 The focus of this course will be the activities associated with Qualitative and Quantitative Analysis when meeting with a commercial borrower. The course will discuss:

  • Commercial banking and commercial credit including the operating environment, industry, business and management risk
  • Financial analysis including cash flow drivers, ratio analysis, cash flow analysis and loan structuring


 12:00 p.m. Luncheon/Registration

1:00 p.m.   Overview of Commercial Lending Decision Process

1:30 p.m.  Analyzing, Industry, Business and Management Risk

 2:15 p.m.  Evaluating the Cash Flow Drivers

 3:00 p.m. Break

 3:15 p.m.  Understanding Why Companies Borrow and How They Repay

 3:30 p.m. Cash Flow and Loan Structuring

 4:00 p.m. Making the decision



THOMAS P. CARLIN is Managing Partner of eensight and specializes in customized training programs for the financial services industry. An authority on credit risk, Mr. Carlin has worked with major banks over more than two decades, designing and teaching credit related topics including: accounting for bankers, financial statement analysis, cash flow analysis, loan structuring and consumer lending. His audiences include recent graduates going through the organization’s basic credit training program to branch bankers who need to combine credit and sales training to middle market lenders with many years of experience.

He is the author of “Analyzing Financial Statements” published by The American Bankers Association. He also is the author of “A Guide to Consumer Lending” published by Robert Morris Associates.

Prior to his training career, Mr. Carlin was a Regional Director for Omega Performance Corporation. He was responsible for marketing Omega products to major clients in the Northeast. In this role, he also had the opportunity to teach credit workshops for Omega at major New York banks including Chase Manhattan Bank and Citibank.

He also served as Vice President with Bankers Trust in New York. He was responsible for marketing credit and trade finance products to corporate clients and correspondent banks worldwide.

Mr. Carlin’s career also includes working for First Pennsylvania Bank in Philadelphia, where he managed a $50 million loan portfolio. His responsibilities included preparing country reviews, emphasizing the political and economic information which impacted investment decisions, preparing and analyzing credit facilities, and working with the syndications unit to evaluate deals and present recommendations to senior management.

Mr. Carlin has a Masters of International Management degree from The Thunderbird School of Global Management and a Bachelor of Arts Degree from Villanova University.


Attendees of this seminar are eligible for CPE and CCL Credits as follows:
Morning Session         3 Hours
Afternoon Session       3 hours
Entire Day                     6 hours


PACB has a corporate rate at the Radisson Hotel Harrisburg, 150 Camp Hill Bypass, Camp Hill, PA.  Please contact the hotel directly at 717-762-7117 for reservations.   Please mention the PA Association of Community Bankers to secure the special rate.  The Hotel is just minutes from Central Penn College.