CSBS BAI Online Course Catalog

Loan Review

Credit Administration

The Role of the Loan Review 15 minutes Intended for branch managers, regional managers, and junior and senior executives, this interactive course addresses the importance of the loan review to the institution's credit risk management, including key objectives of the loan review system and elements of an effective loan review function.

Mortgage Loan Origination

Mortgage Closing

Mortgage Closing: BSA and Collecting Information for the Application 40 minutes In this interactive course, front-office mortgage lending personnel will learn how to collect the applicants identifying information and documentation, in accordance with the Customer Identification Program (CIP) and Fair Lending guidelines. Regulations addressed in this course include Regulation Z (TILA), Regulation B (ECOA), the Bank Secrecy Act (BSA), and the USA PATRIOT Act. 15 minutes Intended for mortgage loan closing personnel, this course addresses how to identify fraud and suspicious activity as required by the Bank Secrecy Act (BSA). It also outlines the requirements for OFAC compliance. 30 minutes Intended for mortgage closing personnel, this course identifies how to avoid fair lending violations in closing, recognize prohibitions in Reg Z, discern situations in which the right of rescission applies, and ensure applicants have adequate flood insurance at the time of closing. Regulations addressed in this course include Regulation B/Equal Credit Opportunity Act (ECOA); Regulation Z/Truth in Lending Act; Federal Housing Administration (FHA); Flood Disaster Protection Act (FDPA); Unfair, Deceptive, and Abusive Acts or Practices (UDAAP); and fair lending guidelines. Mortgage Closing: BSA and Suspicious Activity Mortgage Closing: Explaining Fees and Disclosures Mortgage Basics: Steps in Lending 25 minutes Recommended for mortgage lending personnel, the course provides an overview of the mortgage process. The course surveys the application, documentation, underwriting, closing, and servicing steps in mortgage lending. 35 minutes In this interactive course, mortgage lending professionals will learn the process of matching a borrower with the best type of mortgage loan for that borrower, as well as how to comply with regulations around steering, fees, and negative amortization counseling, including Regulation B, Regulation Z, and UDAAP (Unfair, Deceptive, or Abusive Acts and Practices). Mortgage: Matching Products and Avoiding Steering Mortgage Origination

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