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Applications: Preapprovals, Prequalifications, Inquiries and More
(Presented by David Dickinson)
All employees are responsible for the information they get in training. That's a given.  | WEBINAR TIME:
11:30AM - 1:30PM PT 12:30PM - 2:30PM MT
1:30PM - 3:30PM CT
2:30PM - 4:30PM ET |
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But sometimes financial intitutions spend so much time training on the hot issues that we lose site of smaller items such as common training needs and we forget the informations that employees are responsible for, trained or not.
Don't get cited for poor training and don't let anything fall through the cracks especially when it comes to loan applications.
We also assume everyone knows and understands the rules and requirements. They don't. And while they should not be held responsible for something there were not trained in, your financial institution will be.
Join David Dickinson as he talks about the differences between a prequalification program and a loan program as well as when signatures are required by law versus policy and procedure.
He will also address these questions and more:
What is considered a loan application?
When does an inquiry become an application?
What is a Prequalification?
If I have a prequalification, do I have to do anything?
What is a Preapproval?
If I have a preapproval, do I have to do anything?
Must an application be in writing?
What about applications not received in person?
Must applications be signed?
Can I require a spouse or someone else to sign?
What's the difference between a co-signer, a co-applicant, and a co-borrower?
When is a Good Faith Estimate needed?
When is a Reg. B and FCRA adverse action notice needed?
What is a HMDA preapproval?
We will define your responsibilities and timelines for:
Good Faith Estimates
Adverse Action Notices
HMDA preapprovals
Mortgage Servicing Disclosure
Much, much more
Don't miss this important training.
WHO SHOULD ATTEND?
The program is designed for those who "touch" loan applications, customer service representatives,loan secretaries, lenders, processors, originators, loan managers, compliance officers, audit, and other personnel.
This will be a topic-based webinar focused on the application process. RESPA requirements will not be discussed outside of this as it will be saved for a separate webinar.
About the Speaker:
David A. Dickinson ia a graduate from the University of Nebraska-Lincoln with a degree in Financial Management. He is a highly trained expert in Compliance regulations as well as being a motivational speaker and educator throughout the Midwest.
David began his career at the FDIC as an examiner and later became a Loan Officer for a 110-million dollar bank. In 1993 he established the firm of Banker's Compliance Consulting and continues to serve as president. David has designed Lending and Deposit Operations Compliance manuals, written numerous compliance articles for prestigious banking publications and frequently speaks for banking and civic organizations. He also conducts innovative Lending and Operational Compliance Seminars. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience.
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$225 For registrations received one week prior to a program. Registration fee includes one LIVE access plus 30-day UNLIMITED ACCESS to the archived program.
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More information...
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888-229-8872