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2012 Lending School

This two-day intense lending school is designed to help improve loan decisions, increase revenue and profitability (ROA), increase loan opportunities, and increase membership growth and retention.

At this school, you will learn how to develop a lending philosophy that can lead to better loan decisions, more loan opportunities, and increased profitability. You will discover how to use the credit report to capture more loan opportunities and build member loyalty;  gain knowledge of how credit scores are calculated and what impacts the credit score; discover the best way to analyze the credit report to better assess risk; learn how to evaluate risk and make better loan decisions; understand the correct way to analyze a member’s total debt ratio; recognize and analyze bankruptcy indicators; and determine the best approach to close your loans to make sure you maintain preferred payment status with your members!


Agenda -Day One

• Explore a lending philosophy that can lead to more loan opportunities and better loan decisions

• Learn how to analyze a credit report to determine what is impacting score

– Discover which items are not included in the credit score

– Evaluate what can hurt or improve a score

• Discover how you can use the credit report to build member loyalty and capture more loan opportunities

• Gain knowledge of how credit scores are calculated

• Find the best approach to teaching your members how to improve their score

• Learn how to capture more loan opportunities with a “FREE credit score analysis”

• Discover the correct way to analyze risk factors in the credit report

• Understand the correct way to analyze a member’s total debt ratio

• Explore ways to engage your members and build stronger relationships

• Review and analyze (before and after) credit reports with credit scores that were increased through the credit score analysis process

Agenda - Day Two

• Determine the right approach to have when underwriting member loan applications

• Understand the guidelines for secured and unsecured lending

• Learn how to evaluate risks and make better loan decisions

• Find out how to underwrite higher-risk loans

• Discover the predictors of bankruptcy

• Determine the best approach to close your loans

• Put into practice your knowledge to help your members and make better loan decisions (Classroom Exercise: Analyze credit reports to determine credit score and identify risk factors to make better loan decisions)

Who Should Attend

This two-day lending school is designed for management, lending managers, loan officers (veterans and new) MSRs, and collection staff.


Celeste C. Cook: Speaker, Trainer, and Consultant

Celeste is founder and President/CEO of cuStrategies, LLC, which provides strategic planning services, consulting services, and training programs to the credit union industry.  Her dynamic and engaging speaking style have also made her a popular and sought-after speaker in the credit union industry.  

Celeste has worked in the credit union industry for 20+ years and has been a professional speaker and trainer for more than 15 years. She previously worked for a $1.6 billion credit union in Atlanta, Georgia, and worked as a consultant and trainer with Rex Johnson of Lending Solutions Consulting.

Celeste conducts training programs/schools in lending, business development, leadership, and sales and service. She brings to you her credit union expertise, experience, and proven strategies as well as her passion and dynamic speaking style that is engaging and filled with positive energy!!!

Educational Investment

Early-bird educational investment is $549 per person if registered before May 1.  After May 1, the rate increases to $649 per person.  This fee includes all materials, speaker fees, meals and refreshment breaks.  

Schedule for both days

8:30 am                Registration/refreshments

9 am                      Session Begins

Noon                     Group Lunch     

4 pm                      Conclude for the day

Scholarship Information

A limited number of scholarships will be made available to credit unions from the Missouri Credit Union Charitable Foundation.  Please complete the scholarship application by Wednesday, April 18, 2012. You can find the scholarship application at:

Suggested attire is business casual.  Due to room temperature fluctuating, it would be a good idea to bring a lightweight jacket or sweater. 

Cancellation Policy:  Substitutions accepted anytime.  Refunds will be issued until May 1.  Send cancellation notice to or fax to (314) 542-1312.



June 6th, 2012 8:30 AM   through   June 7th, 2012 4:00 PM
STE 200
Training Room
SAINT LOUIS, MO 63146-4012
United States
Terms and Refund information
Terms and Refund Cancellation Policy: Please write to MCUA Professional Development Department fourteen (14) business days prior to the event for a full refund, minus a $100 administration fee. Substitutions accepted anytime. Send cancellation notice to or fax to (314) 542-1312.

Inclement Weather Policy: If MCUA reschedules a training session because of inclement weather or other uncontrollable circumstances, MCUA will make every effort to promptly notify all registrants by a website message, email or telephone. MCUA will reschedule the training session and registrations will be transferred to the new date, after which MCUA’s Cancellation Policy will apply. If the training session is not re-scheduled, full refunds will be provided.

If MCUA does not cancel a training session during inclement conditions or other uncontrollable circumstances, it is up to the registrant or credit union manager to decide if the registrant should attend the program. In an instance where the registrant or credit union manager decides that the inclement weather impedes the registrant’s safe travel, the registration fee will be refunded minus a $100 processing fee.

By registering for this event, I hereby grant the Missouri Credit Union Association permission to use my likeness in a photograph in any and all of its publications, including website entries, without payment or any other consideration. I understand and agree that these materials will become the property of the Missouri Credit Union Association and will not be returned. I hereby irrevocably authorize the Missouri Credit Union Association to edit, alter, copy, exhibit, publish or distribute this photo for purposes of publicizing programs or for any other lawful purpose. In addition, I waive the right to inspect or approve the finished product, including written or electronic copy, wherein my likeness appears. Additionally, I waive any right to royalties or other compensation arising or related to the use of the photograph. I hereby hold harmless and release and forever discharge the Missouri Credit Union Association from all claims, demands, and causes of action which I, my heirs, representatives, executors, administrators, or any other persons acting on my behalf or on behalf of my estate have or may have by reason of this authorization.

I am 21 years of age and am competent to contract in my own name. I have read this release before registering for this event and I fully understand the contents, meaning, and impact of this release.

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