Articles by Jim Jerving

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.
‘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.
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.
‘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.
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.
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.
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.
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.
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.
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.
Dividing compliance responsibilities among different departments leads to inconsistencies.
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