This course looks at the different types of fraud in the Canadian market, provides mortgage professionals with techniques to identify fraud and fraudulent activities, and identifies tools that will help protect mortgage professionals and their customers from mortgage fraud and identity theft. Recognizing mortgage fraud and how it works is key to its prevention.

Mortgage Fraud & Identity Theft

This course is designed to illustrate the value of residential property appraisals in the Canadian market. Featuring interactive examples, industry professionals will understand the importance of the valuation report, learn how to identify fraud and leave with tips to assist clients when discussing the valuation process.

Understanding Valuation Solutions

This course illustrates how important regional research and data analysis is to mortgage professionals when making sound business and marketing decisions to grow their business. The following material will be covered in the presentation:

• The changing Canadian landscape
• Marketing segments by type and demographics
• Market trends including divorce, higher education, bankruptcy and saving habits
• How AIG can help mortgage professionals succeed

Understanding Our Demographics

Analyzing a borrower's credit history is a key underwriting component, especially as financial institutions increasingly rely on credit scores to understand risk. This course is designed to help mortgage and lending professionals learn how to understand and interpret credit reports, identify important contributing factors to credit scores and address how credit history affects a borrower's overall risk profile. This interactive and engaging presentation includes discussion of the following topics:

• What is a credit score?
• Elements of a credit score
• Understanding the credit score for mortgage structuring
• How borrowers can improve their credit

Understanding Credit Reports

Through a comprehensive look at the importance of facilitating sustainable homeownership, this course provides vital information to mortgage and lending professionals interested in learning how to recognize and understand the primary causes of default.

Mortgage professionals will appreciate the significance of how becoming a trusted resource to their clients will promote the long-term growth of a loyal customer base through the prevention of future default. Some of the key responsibilities highlighted in this presentation include:

• Counseling borrowers on responsible credit use
• Providing practical solutions on how to rebuild declining credit scores
• Managing client expectations for realistic mortgage debt
  

Mortgage Default Trends: Protecting & Growing Your Cilentele

This presentation is designed to promote a better understanding of stated income mortgage applications for the self-employed borrower.

By engaging the audience through an interactive and informal setting, this course takes a closer look at the opportunities available to the self-employed mortgage borrower. The program recognizes the borrower's strengths and needs while providing a review of what is required to support a stated income mortgage application.

Concluding with a series of interactive case studies, this course will allow the audience to apply what they've learned from the presentation.

The following topics will be discussed in this course:

• Market trends related to self-employed borrowers
• Identifying strengths and weaknesses of self-employed borrowers
• Identifying both positive attributes and red flags within the application
• Low doc stated income case studies

Understanding Low Doc Applications

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