3 Credit Hours The purpose of Consumer Lending II course is to provide students the fundamental skills needed to be an effective consumer lender. This course will provide an opportunity to evaluate credit applications applying the 5 C’s of credit in making loan decisions as well as loan structuring techniques financial institutions commonly use. Students will also learn proper loan documentation required on various types of loans that include securing interest in collateral and having adequate insurance protection. This course also includes a basic understanding of collections stages, types of bankruptcies, and recovery of charged-off loans. Students will see how bank regulations impose requirements through these lending areas to stay in compliance.