ARTICLES

Award-winning lenders, part VI

‘Eagle Advance,’ ‘Credit Builder’ Give Members a Second Chance

Staff training, flexible underwriting help CU serve members with limited resources.
Jim Jerving
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‘We’re trained to recognize patterns in a member’s credit history.’
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Award-winning lenders, part V

Loans Are the Best Investment

Diversified loan portfolio helps CU boost its 40% loan-to-share ratio.
Jim Jerving
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Series of new loan products helps Cooperative Center FCU recover from the recession and deliver on its business objectives.
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Award-winning lenders, part IV

Worldwide Membership Creates Unique Lending Challenges

Strong common bond keeps delinquencies low despite geographical hurdles.
Jim Jerving
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‘Each country is scored by risk and delinquency experience, and the macro-economic outlook.’
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Award-winning lenders, part III

Teamwork, Sales Focus Lead to Mortgage Success

Staff view their jobs as if they're running a small business.
Jim Jerving
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Incentives, competitive rates, new products, and community partnerships, also grow loan volume.
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Award-wining lenders, part II

‘Thanks for Treating Me as a Friend’

CU blends lending acumen with a genuine concern for members.
Jim Jerving
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Personal contact cements member relationships and provides a foundation for referrals.
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Part II

Embrace Real-Time Data, Multiple Channels for Lending Success

CUs have more information than most businesses, but they often fail to capitalize on it.
Jim Jerving
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Most loan applications are antiquated and burdensome, mobile expert says.
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Award-Winning Lenders, Part I

Three Steps for MBL Success

CU starts its own commercial lending training program to bring staff up to speed.
Jim Jerving
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Find the right people, forge strong member relationships—and be safe.
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Part I

Shift to Mobile Requires New Approach to Lending

Mobile turns the traditional retail experience on its head.
Jim Jerving
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More consumers are defined by their connectivity, which changes how they transact financial business.
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MBLs Offer ‘Chef Salad’ of Benefits for Lenders, Economy

Business lending requires strong relationship-building, which favors CUs.
Jim Jerving
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Expanding business lending could make CUs significant contributors to the national economic recovery.
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Part II

Take a Holistic Approach to Compliance

CU can’t have separate compliance approaches for different products.
Jim Jerving
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Dividing compliance responsibilities among different departments leads to inconsistencies.
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