Lending

Use Extra Due Diligence for Business Loan Participations

January 01, 2013
Business loan process requires a high level of detail. READ MORE

Student Loans Show Potential

January 01, 2013
Student loans offer opportunities for income and provide an affordable way for members to send their children to college. READ MORE

The Promise and Peril of Subprime Lending

January 01, 2013
CUs are ‘stabbing each other in the back’ with low-rate auto loans for top-tier members. READ MORE

Shift to Mobile Requires New Approach to Lending

December 28, 2012
More consumers are defined by their connectivity, which changes how they transact financial business. READ MORE

Innovative CUs Draw Up New Lending Approaches

December 27, 2012
Lending innovators spot—and act on—opportunities to make loans and boost the bottom line. READ MORE

Lending Opportunities in an Uncertain Economy

December 22, 2012
CUs see loan growth by revamping delivery, pricing, or types of loans. READ MORE

Expect a Slow Decline in Mortgage Delinquencies

December 14, 2012
Forecast also says credit card delinquency rates will remain relatively low throughout next year. READ MORE

The MBL Coin Toss

December 14, 2012
Sound practices and due diligence keep CUs in the clear on the MBL front. READ MORE

Auto Loan Delinquencies On the Rise

December 05, 2012
Seasonal factors that affect the auto loan delinquency rate include back to school needs and holiday purchases. READ MORE

Are You Prepared for Mortgage Audits?

December 04, 2012
Mortgage agencies are searching hard for risk. READ MORE

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Great article! Unfortunately, most employees don’t feel valued or appreciated by their supervisors or employers. In fact, research has shown that the predominant reason team members quit their jobs is because they don’t feel valued. This is in spite of the fact that employee recognition programs have proliferated in the workplace – over 90% of all organizations in the U.S. has some form of employee recognition activities in place. But most employee recognition programs are viewed with skepticism and cynicism – because they aren’t viewed as being genuine in their communication of appreciation. Getting the “employee of the month” award, receiving a certificate of recognition, or a “Way to go, team!” email just don’t get the job done. How do you communicate authentic appreciation? We have found people have different ways that they want to be shown appreciation, and if you don’t communicate in the language of appreciation important to them, you essentially “miss the mark”. Additionally, employees need to receive recognition more than once a year at their performance review. Otherwise, they view the praise as “going through the motions”. A third component of authentic appreciation is that the communication has to be about them personally – not the department, not their group, but something they did. Finally, they have to believe that you mean what you say. How you treat them has to match the words you use. If you are not sure how your team members want to be shown appreciation, the Motivating By Appreciation Inventory (www.appreciationatwork.com/assess) will identify the language of appreciation and specific actions preferred by each employee. You then can create a group profile for your team, so everyone knows how to encourage one another. Remember, employees want to know that they are valued for what they contribute to the success of the organization. And communicating authentic appreciation in the ways they desire it can make the difference between keeping your quality team members or having a negative work environment that everyone wants to leave. Paul White, Ph.D., is the co-author of The 5 Languages of Appreciation in the Workplace with Dr. Gary Chapman.

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