Lending

Approach Realtors the Right Way

December 29, 2011
Have you tried to approach real estate agents to drum up mortgage business—only to be shut out? READ MORE

CFPB Takes on Perennial Challenge as First Big Test

December 21, 2011
It would be a rare win-win if the new bureau could streamline the mortgage process for lenders in a way borrowers could understand. READ MORE

Lenders Put the Brakes on Auto Loan Delinquencies

December 15, 2011
Auto loans have performed well since the start of 2010, and originations have increased significantly since second-quarter 2009. READ MORE

Delinquency Outlook Favorable in 2012

December 08, 2011
Credit card delinquencies should remain stable in 2012, according to TransUnion. READ MORE

Reverse Mortgages

December 01, 2011
Many CUs have been reluctant to consider reverse mortgages, but that appears to be changing. READ MORE

Consider Members’ Stories  When Making Loan Decisions

November 22, 2011
Members' stories can play a key role in loan decisions, CEOs agree. READ MORE

Lessons Learned  In Auto Lending

November 14, 2011
My CU's auto loan portfolio recently plummeted. It was no surprise, because lately the local auto dealership has been as empty as a politician’s promises. READ MORE

Portfolio Management: Four Keys

October 24, 2011
Sound loan portfolio management has always been essential. But its importance has become particularly evident to credit union boards and management teams during the past several years. READ MORE

Jump-Starting Auto Loans

October 20, 2011
Our cover story this month explains how used-car lending at credit unions is hot, while new-car lending certainly is not. We also look at some innovative strategies credit unions have come up with to pump up flat auto loan portfolios. READ MORE

Mortgages: Make Your Own Opportunities

October 19, 2011
Put real estate lending at the center of the your CU's strategy. 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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