| 1.
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Define consumer lending, and trace its evolution. (I)
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| 2.
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Identify credit usage patterns, and describe the benefits of consumer
credit for banks. (II)
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| 3.
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Describe key laws or regulations affecting consumer lending. (III)
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| 4.
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List characteristics of closed-end loans, and explain the benefits and
disadvantages of direct lending. (IV)
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| 5.
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Explain the advantages and disadvantages of indirect lending. (V)
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| 6.
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List the characteristics of open-end and revolving credit accounts.
(VI)
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| 7.
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State the objectives of the loan application process, and explain how
marketing loan products can increase volume. (VII)
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| 8.
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Describe the primary sources of credit information and the steps taken
in the credit verification process. (VIII)
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| 9.
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Explain how the five C's of credit are used in credit evaluation and
decision making. (IX)
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| 10.
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Describe the factors affecting loan pricing, and calculate six types
of commonly used rates. (X)
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| 11.
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Define loan structuring, and identify loan structuring options for
different loan products. (XI)
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| 12.
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Identify types of documents required for consumer loans, and describe
their purposes. (XII)
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| 13.
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Identify causes of consumer loan delinquencies, and identify the
collection stages. (XIII)
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| 14.
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List the objectives of a formal loan policy statement and the elements
of the management process. (XIV)
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