Credit Scoring Calculator by pdd16777


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August 26 & 27
Marriott at Vanderbilt University
Nashville, TN

                  Please bring a calculator
                  for use during the workshop!
                         Basic Consumer Lending

This two-day basic program was developed for those charged with organizing and
managing consumer loans. It will address credit decision-making as well as the
human relations aspect of lending. This program includes case studies and role
playing to acquaint you with effective interviewing skills and to improve your
credit decisions. It also includes discussion on the concepts of secured lending and
an analysis of decision making.

Program highlights                           Benefits of attending
• Dicuss loan approval processes and         • Lower loan losses and problem
  systems                                      loans
• Read and understand credit reports         • Faster approval process
• Identify and discuss required              • Increased portfolio yields
  documentation                              • Fewer documentation exceptions
• Evaluate lending to the                    • Improved understanding of credit
  self-employed                                scoring
• Learn methods of business
• Determine the impact of credit             Who should attend?
  scoring on your credit decisions           This seminar was developed for branch
• Review basic loan documentation            managers, assistant branch managers,
                                             collection managers, personal bankers,
Delivery method                              management trainees, loan review staff,
Group-live                                   and those interested in learning more
                                             about consumer lending.
Program level                                This program is excellent preparation
Basic                                        for those interested in attending The
                                             Southeastern School of Consumer
Prerequisites                                CreditSM, scheduled for March 6-11,
& preparation                                2011. The school is conducted by
No prerequisites or advance prepara-         the Tennessee Bankers Association
tion are required for this program. At-      in cooperation with the Alabama,
tendants should bring a calculator.          Georgia, Louisiana, and Mississippi
                                             bankers associations.

                             Please bring a calculator
                             for use during the workshop!
Basic Consumer Lending

      Learn from an Expert
                        David L. Kemp is president of Bankers Management, Inc (BMI).
                        BMI is a nationally recognized company in financial services training
                        and bank consulting. Kemp has more than 30 years of management
                        experience in consulting, training, credit administration, and new
                        business development. His areas of expertise include commercial
                        lending, consumer lending, portfolio management, real estate lending,
                        workouts, and director responsibilities.
                        Prior to forming BMI, Kemp served as vice president, director of credit
     services for Cannon Lending Schools.
     Before joining Cannon, he was vice president corporate finance with Citicorp North
     America where he was responsible for marketing investment and commercial banking
     services throughout the Southeast. While with Citicorp, Kemp was senior credit officer,
     specializing in financing retail companies. He managed a workout process that saved
     more than $20 million in planned charge-offs.
     Prior to joining Citicorp, Kemp held branch manager and commercial lender positions
     with First National Bank of Atlanta and with Citizens and Southern National Bank.
     He is a visiting professor and guest lecturer to many colleges and universities, as well as
     an instructor for education programs for a number of bankers associations.
     Kemp earned his BS degree in math/physics from Morris Brown College in Atlanta and
     completed graduate studies in accounting and corporate finance through Georgia State
     University and in capital markets and corporate finance through Harvard University.

Thursday, August 26                                                         Friday, August 27
8:30 am               Registration/Continental breakfast                    8:00 am          Continental breakfast
9:00 am               Program begins                                        8:30 am          Program resumes
Noon                  Lunch                                                 Noon             Lunch
1:00 pm               Program continues                                     1:00 pm          Program continues
4:15 pm               Adjourn for the day                                   4:00 pm          Adjourn

Continuing Education Credit
Attendants qualify for 14 hours of Continuing Professional Education (CPE) credit in the area
of Specialized Knowledge and Application. No prerequisites are required for this program. For
more information regarding administrative policies or complaints, please contact our offices
at 615/244-4871.
Tennessee Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of
continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the
acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry
of CPE Sponsors, 150 Fourth Avenue, North, Suite 700, Nashville, TN, 37219-2417. Web site:

To obtain continuing education credit applications or more information, call the TBA education
department at 800/964-5525 or 615/244-4871.
                                     Please bring a calculator
                                     for use during the workshop!

Hotel Information
This two-day program is being held at the Marriott at Vanderbilt University, located at 2555 West
End Avenue in Nashville. TBA has arranged for a limited number of rooms at a special group
rate of $149 per night single/double. To reserve accommodations, please contact the hotel directly
at 615/321-1300 or 800/285-0190 and specify that you are attending the Tennessee Bankers
Association's Basic Consumer Lending Workshop. You may also make your reservations online
at (Special code: TBCTBCA)
The reservation deadline for our special group rate is Wednesday, August 4, 2010. When the
allotted room block is sold, room rates will return to standard prices on a space-available basis,
even if it is before the August 4 deadline. All unreserved rooms will be released for general
sale at midnight on August 4. Any reservation received after that date will be accepted on a
space- or rate-available basis. Please make your overnight arrangements early to assure you
receive TBA special rates.
Parking: Special parking rates for TBA overnight hotel guests and local attendants are $14
for valet or $10 for self-parking per day. Self-parking garage is located behind the hotel on
Kensington Street.

Registration Information
Registration Fees: The cost includes
instruction; manual; and continen-            TBA Members / Associate Members       Nonmembers
tal breakfast, lunch, and refresh-        Early Registration        $415                   $830
ment breaks both days.
                                          Early Registration deadline is August 12, 2010
Please register early. At-the-door reg-   Registration              $440                   $855
istrants will be assessed an additional
$25 late registration fee. No written     At-the-door               $465                   $880
confirmation of seminar registration
will be sent from the TBA.                    To register online go to
Participation in TBA programs is limited to members, associate members, and nonmembers
from an eligible membership category at applicable member or nonmember rates.
Attire: Business casual attire is appropriate for all TBA programs. Because of temperature
variations in meeting rooms, please bring a sweater or jacket for your comfort.
Program Availability: Due to hotel guarantees and material production, reservations received
less than 7 days before the program will be subject to space and material availability.
Special Needs: If you have a disability that may affect your participation in this program, please
send TBA a statement regarding any special needs at least 10 days before the program. We will
contact you to discuss accommodations.

  Cancellation Policy: Cancellations received
                                                               For more information contact:
  in the TBA office 7 business days prior to the
                                                               Susan Taylor, CMP
  scheduled program will be refunded in full.
  Due to commitments with hotels, cancellations
                                                               Vice President/Director
  received less than 7 business days prior to the
                                                               of Professional Development
  scheduled program are not refundable. Substi-
                                                               Tennessee Bankers Association
  tutions are welcome. Registrants who do not
                                                               800/964-5525 or 615/244-4871
  attend the program or send a substitute will be
  responsible for the entire registration fee.
                                           2010 Basic Consumer Lending
                                           August 26 & 27 • Marriott at Vanderbilt University, Nashville, TN
                                                                                                                                                          MUST BE INCLUDED
Please print or type. List name and badge nickname for each attendant.                                                                                    For educational tracking purposes only.

Name ________________________________ Nickname __________________ E-mail __________________________ SS# _________________
Name ________________________________ Nickname __________________ E-mail __________________________ SS# _________________
Name ________________________________ Nickname __________________ E-mail __________________________ SS# _________________
Name ________________________________ Nickname __________________ E-mail __________________________ SS# _________________
Company ____________________________________ Contact _______________________ E-mail ______________________________________
Address _________________________________________________________________________________________________________________
City __________________________________________ State ______ Zip ___________Phone ________________ FAX ____________________

               TBA Members / Associate Members               Nonmembers
 Early Registration                $415                           $830                                                             Please bring a calculator
 Early Registration deadline is August 12, 2010
                                                                                                                                   for use during the workshop!
 Registration                      $440                           $855
 At-the-door                       $465                           $880
                                                                                                                              Return completed form and payment to:
                                                                                                                              Tennessee Bankers Association
       To register online go to                                                                             Attn: Monique Jenkins
                                                                Please make check payable to Tennessee Bankers Association.   211 Athens Way, Ste 100
TOTAL $__________                                                                                                             Nashville, TN 37228-1381
Method of payment             VISA         MasterCard              Check Ck# __________________                               Phone: 615/244-4871 or 800/964-5525
                                                                                                                              FAX: 615/324-1990
Card # ___________________________________________ Exp Date______________
Name as appears on card (please print)       _____________________________________________________
                                                                                                                                   Go to to
Card billing address _______________________________________________________
                                                                                                                                    subscribe to our Professional Development
City _____________________________________State_____ Zip __________________                                                       E-mail list to receive the most up-to-date news
Signature ________________________________________________________________                                                                about TBA programs and events.

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