Lending

Six More Weeks of…Loan Payment Relief

Novel loan promotion has members rooting for six more weeks of winter.

April 05, 2014
Novel loan promotion has members rooting for six more weeks of winter. Read More

CFPB Promotes Fair Transactions

Most consumer complaints concern debt-collection practices.

March 25, 2014
Most consumer complaints concern debt-collection practices. Read More

How Mortgage Referrals Can Go Wrong

CUs can easily run afoul of the CFPB’s regulations.

March 14, 2014
Front-line staff must be sure you don’t mistakenly get caught in the net when making referrals to MLOs. Read More

Solving the Fannie and Freddie Puzzle

The nation’s $10 trillion housing finance system needs reform, but there’s little agreement about what reform should look like.

March 05, 2014
Reform could have a significant impact on credit union mortgage lending operations and earnings. Read More

A New Year’s Hangover for Mortgage Originations?

CUs try to maneuver through the new mortgage landscape.

February 17, 2014
Four strategies for success in the post ability to repay/qualified mortgage world. Read More

The State of CU Mortgage Lending

First mortgages are increasingly important when it comes to lending and service.

February 14, 2014
First mortgages are increasingly important when it comes to lending and service. Read More

Responsible Approach Leads to Student Loan Success

Portfolio limits, consistent underwriting standards leads to healthy private student loan program.

February 13, 2014
Members are going someplace for student loans—why not your CU? Read More

Invest in Gen Y

Careful underwriting and due diligence can make private student loans a valuable asset.

January 24, 2014
Give Gen Y what it wants, especially student loans. Read More

MyCUmortgage Honors Top Mortgage Lenders

Winners recognized for their outstanding results in helping members buy homes.

January 14, 2014
Winners recognized for their outstanding results in helping members buy homes. Read More

Things I Think I Know

A curmudgeon’s take on compliance requirements in the New Year.

December 31, 2013
New disclosure requirements will not improve consumers' understanding of loan products. 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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