Credit Analyst Basics with David Osburn

April 09, 2026: Credit Analysis Basics

Attend this proactive seminar and learn how banks make lending decisions based on the five (5) C’s of credit- capacity, capital, collateral, conditions, and character! The seminar will cover the basics of the three (3) main areas of bank lending- consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real life “case studies.”

The attendee will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the lending process. Additionally, the basics of loan compliance will be provided including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting.

April10, 2026: Personal/Business Tax Return Analysis

Attend this proactive seminar and gain an understanding of the often complex and confusing topic of TAXES!

Bank personnel are required to obtain and properly interpret tax returns for consumer, mortgage, and commercial lending purposes. The first part of this seminar will concentrate on personal tax return analysis while the second part will focus on the analysis of various business tax returns.