Lending

Economy is ‘Recovering, Not Recovered’

October 21, 2013
New-auto lending continues to be a bright spot for many CUs. READ MORE

An Education in Member Business Lending

October 14, 2013
Business lending isn't for everyone, but it can reap big rewards for CUs that understand the complexity and risk. READ MORE

Students are Flunking College Financing 101

September 15, 2013
Three-fourths of aspiring college attendees say they’ll need a combination of federal and private loans, family money, and jobs to pay for tuition. READ MORE

Student Loan Debt May Slow Home Buying

September 09, 2013
Consumers with student loan debt tend to have lower credit scores than those without. READ MORE

Regain Your Share of Members' Loans

August 17, 2013
Dedicate more resources to analyzing loan denials. READ MORE

Treat Card Portfolios Like a School Dance

August 16, 2013
Too many CUs treat revolving credit like car loans—the proverbial “one and done.” READ MORE

Don’t Pinch Pennies on Credit Lines

August 08, 2013
Adjusting credit lines requires continuous monitoring of members’ credit scores. READ MORE

Help Underwater Members Before Mortgage Rates Rise

August 05, 2013
The refinancing boom is ending, so help underwater members now. READ MORE

Zero Foreclosures in NASA FCU's Zero-Down Mortgage Program

July 22, 2013
Maryland CU credits vigorous underwriting and a sound knowledge of the Washington, D.C., real estate market for its three-year-old program's success. READ MORE

Get Your 2013 Mortgage Lending Almanac

July 22, 2013
New rules will recast mortgage lending from application to servicing. 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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