Consumer Loan Documentation 2019

Consumer Loan Documentation 2019

Thursday April 4, 2019
PACB Headquarters
2405 N. Front Street, Harrisburg, PA



To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


8:30am: Registration/Continental Breakfast
9:00am: Workshop
10:30am: Refreshment Break
10:45am: Workshop Continues
12:00pm: Luncheon
12:45pm: Workshop Continues
3:45pm: Adjournment


Loan Documentation is a critical component of lending. After the decision to make a loan has been made, the next step is the documentation and closing process. This part of the lending process is essential in order to avoid loan losses due to poor documentation. Many community banks assign this important responsibility to Loan Officers and Loan Administrators. If not performed properly, poor documentation can cause loans to be adversely classified even if the underlying credit is sound, or if the loan is performing as agreed.

The purpose of this one-day workshop is to provide participants with a good understanding of the Consumer Loan Documentation process. Participants will be exposed to the five steps in the loan documentation process, which include:

  1. Identifying the Borrower
  2. Identifying and Documenting the Collateral
  3. Evidencing the Debt
  4. Attaching the Collateral
  5. Perfecting the Security Interest


After completing this workshop, the participant will:

  • Recognize the documents required to complete the five steps in the documentation process
  • Have a good working knowledge of the purpose of each document
  • Be able to provide a broad overview of the loan documents’ provisions
  • Know the rules of attaching collateral
  • Know the rules of perfecting the security interest


This workshop is designed for Loan Officers, Loan Operations Staff, Loan Administrators, Credit Analysts and anyone else involved in the consumer lending process.


Up to six (6) hours of CPE will be offered for this program. PACB is an approved provider of continuing education by the PA State Board of Accountancy.


The PACB has a special rate at the Radisson Hotel Harrisburg, 150 Camp Hill Bypass, Camp Hill, PA. Please contact the hotel directly at 717-763-7117 for reservations. Please mention the PA Association of Community Bankers to secure the special rate.


Jeffrey W. Johnson, Senior Consultant, Bankers Insight

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender for SouthTrust Bank (a large Southeastern Regional Bank) and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta (Community Bank).

Most of his career has been spent in Credit Administration, Lending (Commercial, Consumer and Real Estate), Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individuals, Middle Market Companies, Small Businesses, Real Estate and Non-Profit Organizations and managed several loan officers with portfolio management responsibilities.

Mr. Johnson is now a training professional in the banking industry by leading various seminars covering important topics relating to issues in banking. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual banks nationwide.