Hosted By: Lorrie Wohlfeil
In today’s competitive financial landscape, your credit union’s success is driven by the strength of its team. That’s why investing in the growth and development of your employees is crucial. One of the most effective ways to inspire, educate, and motivate your workforce is through impactful training, and there’s no better way to do this than by incorporating the insights and leadership wisdom of Rex Johnson.
Course Objectives:
Designed specifically for Loan Managers, Member Service Representatives, Loan Officers, and Credit Union Management, we understand that achieving exceptional loan yields, Return on Assets (ROAs), and outstanding member service is the core of your success. The University of Lending is the industry leading training solution that will transform your team’s performance and elevate your credit union’s impact.
Attendees Will Learn How To:
• Read beyond the surface of the credit report to uncover hidden risk, identify real opportunity, and make smarter lending decisions
• Interpret FICO and VantageScore with greater clarity and confidence
• Apply practical underwriting strategies that evaluate true repayment ability, not just approval eligibility
• Structure subprime and debt restructure loans with confidence while protecting the credit union and serving the member
• Ask the Top 10 questions not found on the application to elevate interviewing skills, deepen member relationships, uncover opportunities, and drive sustainable loan growth
Tuition: Includes breakfast and lunch each day
$1495 per person
$1295 return attendees
$1000 CEOs
Location:
TBA
Please make your reservation by visiting: LINK to come
Please contact Tracy Bruce at LSCI – 224-286-6067, tbruce@rexcuadvice.com with any additional questions.
Cancelation Policy:
All cancellations must be received in writing and submitted via email to tbruce@rexcuadvice.com. Cancellations received more than 45-30 days prior to the event are subject to a 25% administrative fee of the conference total. No refunds will be granted for cancellations received on or after 30 days prior to the event. Substitutions are accepted prior to the start of the program and may be submitted via email. Please provide the event name, current participant name, and the new participant and email to tbruce@rexcuadvice.com.
CLASSROOM AGENDA:
DAY 1 – Credit Reports & Scoring Models
7:30am – 8:30am
Registration & Continental Breakfast
8:30am – 9:00am
Welcome & Program Overview
Set the stage for three days of practical, profit-driven lending strategies.
9:00am – 12:00pm
Understanding the Credit Report
Learn how to read beyond the surface of the credit report to uncover risk, opportunity, and member potential. This session focuses on dissecting the credit report to determine if the member is truly on schedule with their obligations, highlights The Power of the Dash, what that small detail can reveal about true payment behavior, and introduces Beat the Clock, a strategy that evaluates a member’s likelihood of repayment by determining how close they may be to “midnight” financially, helping the credit union quickly assess risk level, and the window of opportunity to structure a successful loan.
12:00pm – 1:00pm
Lunch
1:00pm – 4:00pm
Scoring Models: FICO® & VantageScore® — What You Really Need to Know
Low scores can mean BIG profits when understood correctly. We’ll dramatically increase your team’s confidence with credit scores and show how approval ratios can reach up to 75% without increasing risk.
DAY 2 – Smart Decision Making & Underwriting Fundamentals and Score Enhancement
7:30am – 8:30am
Continental Breakfast
8:30am – 12:00pm
Score Enhancement
Learn how to move members from “E” paper to “A” paper in just a few short months. This session gives your credit union a powerful competitive edge, builds member loyalty, and positions you as the financial institution of choice.
12:00pm – 1:00pm
Lunch
1:00pm – 4:00pm
Decision Making: The Fundamentals of Underwriting
Poor lending decisions cost credit unions millions both in loans approved and loans unnecessarily declined. Your team will learn how to identify inflated income, evaluate true repayment capacity, and make sound, defensible lending decisions.
Participants will actively underwrite loans during class to immediately apply what they learn.
DAY 3 – Subprime and Debt Restructure Loan Review, Interviewing, & Sales Opportunities
7:30am – 8:30am
Continental Breakfast
8:30am – 12:00pm
Decision Making: Subprime & Debt Restructure Loans
Master the strategies needed to confidently approve and structure higher-risk loans while protecting the credit union and helping members succeed. Using real-life examples submitted by conference attendees, this session walks through practical scenarios and proven approaches to strengthen decision-making and risk management.
12:00pm – 1:00pm
Lunch
1:00pm – 4:00pm
Loan Interviewing, Sales Skills & Cross Selling
Learn from the master the Rex Johnson way. Discover how asking the right questions at the right time leads to better decisions and eliminates the “ping-pong” effect between departments. Review real-world examples of loan notes and learn how to use documentation as a powerful decision-making tool.
Millions of dollars in cross-selling opportunities pass across your desk every year. Learn how to recognize these moments, save members money, deepen relationships, and significantly increase loan and product penetration.
©Lending Solutions Consulting Inc.