Naposledy zkontrolováno 5. listopadu 2026 podle zdrojů odkazovaných v tomto příspěvku.
Loan officer training gets a new hire from a licence to a first file they can sign with confidence. The stakes are visible in the complaint data: the CFPB's 2024 Consumer Response Annual Report says the Bureau received approximately 26,100 mortgage complaints in 2024. Complaints like these can start with how a loan was explained, priced, approved or collected.
This is a list of 9 ready-made courses for lending managers and branch trainers who build the first 90 days and the annual refresher for loan officers and credit analysts. Licensing and exam-prep courses sit elsewhere, so this list covers the on-the-job side: fair lending, fraud and conduct. Several courses are built on US federal rules, so check the rules for your own market. Each group ends with an Náš výběr.
Všech 9 kurzů na první pohled
| Kurz | Na co se vztahuje | Délka | US legal duty on covered lenders? |
|---|---|---|---|
| Responsible lending, credit assessment and collections | Affordability, credit decisions, red flags, fair collections | 40 min | None cited here |
| Consumer protection & UDAAP | Fair sales, marketing and servicing practices | 35 min | CFPB can act against covered persons |
| Loan officer training: first-90-days coaching session | Explaining a loan in plain words, the first borrower conversation | 60 min | None cited here |
| Identity theft Red Flags Rule | Warning signs on applications and accounts | 30 min | Yes, where the rule covers you |
| Sociální inženýrství, podvody a deepfakes: telefonní, platební a zosobňovací podvody | Impersonation and payment fraud | 35 min | None cited here |
| Phishing a sociální inženýrství | Odhalování a hlášení útoků | 30 min | None cited here |
| Kodex chování | Integrity and a decision test for grey areas | 35 min | None cited here |
| Střet zájmů | Disclosing relationships before deciding | 25 min | None cited here |
| Klasifikace a zpracování dat | Labelling and protecting applicant files | 25 min | None cited here |
Lending and consumer protection
These three cover the decisions a loan officer makes every day: whether to lend, how to describe the loan and how to treat the customer fairly while doing it.
Responsible lending, credit assessment and collections
For many US mortgages, Regulation Z says a creditor must make a reasonable and good faith determination that the consumer will have a reasonable ability to repay the loan. This 40-minute course covers the credit lifecycle, affordability, what a score is and is not, red flags and a fair early-arrears call. Loan officers need it because the decision rests on evidence, not a sales target. In the session, put its sample question to the room: which of these may you use to decide on an application, and which are off limits?
Consumer protection & UDAAP
Federal law lets the Consumer Financial Protection Bureau act to prevent covered persons and service providers from engaging in unfair, deceptive or abusive acts or practices. This 35-minute course teaches the three tests and how to classify everyday sales, marketing and servicing practices. Loan officers need it because rates, fees and promises are how loans get advertised and explained. Use its poster example: "no monthly fee" was true, so what is the problem? The answer shows why the overall impression counts.
Loan officer training: first-90-days coaching session
This 60-minute coaching session turns a new loan officer's first weeks into practice: four lessons on explaining a loan in plain words, ordering the first borrower conversation, deciding when to refer and when to handle, and a seven-question final check with an 80 percent pass mark. New hires need it because a borrower who understands the amount, term, rate and total cost has less to be surprised by later. In the session, ask the group to describe APR to a borrower, then compare their wording with the course's.
Our pick: Responsible lending, credit assessment and collections. It teaches the habit that sits underneath every other rule: decide on evidence of ability to repay, and say so plainly.
Podvody a krádeže identity
Lenders hand over money, so criminals try to borrow it, redirect it or steal the documents that unlock it.
Identity theft Red Flags Rule
The FTC says anyone who lends money is covered by the Red Flags Rule, which requires many businesses to implement a written identity theft prevention programme where they have covered accounts. A stolen identity is easiest to use at application, so this 30-minute course trains staff to spot the five categories of warning signs, respond and report through the programme owner. Run a Pick Answer scenario with a credit report showing a fraud alert and let teams choose the next step before the answer appears.
Sociální inženýrství, podvody a deepfakes: telefonní, platební a zosobňovací podvody
This 35-minute course covers impersonation and changed-payment-detail requests: the tactics, the habit of verifying money requests using a number you already hold, and what can now be faked by voice and video. Closing is one point where a convincing caller can redirect funds, so loan officers need the habit before they need the lesson. Use its scenarios in the session: a senior colleague asks you to pay something and keep it quiet, so what do you do first?
Phishing a sociální inženýrství
A loan file holds income statements, ID documents and account numbers, exactly what a phisher wants. This 30-minute course traces how a business email compromise unfolds, how to spot phishing across email, text, voice and QR codes, and how to verify a request through an independent channel. In the session, show a realistic request for "urgent" applicant documents and ask teams, by poll, whether to send them.
Our pick: Identity theft Red Flags Rule. It gives loan officers a short checklist to run before money moves, and a funded loan on a stolen identity can be hard to unwind.
Conduct and data handling
Loan officers hear "can you make an exception?" more than most staff. These three give them a clear answer.
Kodex chování
This course covers why integrity matters and gives staff a four-question decision test for grey areas, plus how to speak up and recognise retaliation. A loan officer who approves or declines credit needs a test they can apply when a borrower or a colleague pushes. In the session, run its scenario round and ask the room to vote on each case before discussing it.
Střet zájmů
A loan officer who works on a relative's application, or takes a referral fee from a third party, has at least a potential conflict, even if nothing improper happens. The course introduces actual, potential and perceived conflicts and teaches "disclose, then decide". Use its sorting activity in the room: each case goes into a pile, for example disclose, recuse or no issue.
Klasifikace a zpracování dat
An application is full of IDs, addresses and income figures, so staff need to label, store, share and dispose of data by its sensitivity level. The course explains classification levels, what each allows and what to report when something is mishandled. Its sample question is a good opener: what does "anyone with the link" mean?
Náš výběr: Střet zájmů. Credit approval is a position of trust, and "disclose, then decide" is one habit that is easy to teach and easy to audit.
Jak plán zavést
Start with the courses tied to a US legal duty and your lending procedure: Consumer protection & UDAAP and, where it covers you, the Red Flags Rule. Add the 90-day coaching session and responsible lending to onboarding. Then schedule fraud and phishing refreshers, and finish with role-specific depth such as collections for officers who handle arrears.
On fair treatment, the Equal Credit Opportunity Act says a creditor may not discriminate against an applicant on the basis of race, colour, religion, national origin, sex, marital status or age (where the applicant has the capacity to contract), or because income comes from a public assistance programme. Regulation B applies the same idea to any aspect of a credit transaction. Build a session around it and keep a record of who completed what and which questions came up.
Anchor each session to the same fact: the CFPB's zpráva 2024 counted approximately 26,100 mortgage complaints, a reminder that borrowers notice how loans are handled. Add the rules your location needs. This list is built on US federal rules; a lender in another country, or a US state with extra duties, should add its own regulator's requirements. No source cited here sets how often training must be repeated, so ask your regulator and set a frequency in your own programme.
Licensing is separate. For residential mortgage lending, federal law says an individual may not engage in the business of a loan originator without first obtaining a registration or a licence, so check your state licensing body for exams and education. If you are building a programme for the whole compliance team, our guide to školení pracovníků v oblasti dodržování předpisů covers the wider course list.
Způsoby, jak tyto kurzy provozovat AhaSlides
Všech 9 můžete nabídnout ve třech formátech:
- Kurzy s vlastním tempem. Použití AhaSlides course creator to send each loan officer a course to complete before they handle live files.
- Živý diskusní balíček s otázkami a odpověďmi. Collect questions from the team ahead of the session, then answer them in the room. For running it well, see our 9 tipů pro úspěšnou diskusi (Q&A).
- Předběžné a následné průzkumy. Measure what changed in the same session, and see how to sledovat dokončení školení zaměstnanců.
Většinu práce odvedou čtyři typy snímků:
- Vyberte odpověď. Ask: "A borrower asks for more credit than they need. What comes first?" Show the split before you reveal the answer.
- Slovo mrak. Ask: "What makes a loan application feel wrong to you?" The biggest words show what the team notices first.
- Hodnotící stupnice. Ask, before and after: "How confident are you explaining APR to a borrower?" Rate from 1 to 5 and compare the averages.
- Otevřený konec. Ask: "What would you want to know before approving this application?" Answers can be anonymous, so people say what they think.
Nejčastější dotazy
What training do loan officers need?
Beyond licensing, loan officers typically need fair lending, consumer protection, fraud and data-handling training; check your regulator and your own programme for how often to repeat it. The nine courses above cover those areas, and the Regulation B rule on discrimination is a good reason to include fair treatment.
Is loan officer training required by law?
Licensing is required for US residential mortgage loan originators: federal law says an individual may not act as a loan originator without a registration or licence. For other lending, check your state regulator. Licensing carries its own education and exam steps, so check your state regulator for those. No source cited here sets a number of compliance training hours or how often to repeat it, so check your regulator and your own compliance programme.
How do I become a loan officer?
Usually through your state's licensing process, which for mortgage loan originators sits under the Zákon o bezpečnosti, then employer training on products and compliance. Check your state regulator for the education and exam steps.
Who should take these courses?
Loan officers, credit analysts and their managers. The groups above let a team split the nine courses by role.
Tento příspěvek je obecnou informací, nikoli právní radou. Pro rozhodnutí ohledně vašeho vlastního pracoviště se obraťte na kvalifikovaného právníka nebo regulační orgán.
