How Does Your Credit Union Serve and Grow?
Growth How do you view the growth of your credit union? There are a few perspectives: portfolio, membership, or share
Analytic Focus Blogs
PART IV: Detection Methodology
How is the state of your portfolio? There are four detection methods that with a bit of effort or investment,
PART III: Deviations From The Guidelines
Have you ever found yourself saying; “BUT OUR ESTIMATES ASSUME GUIDELINES ARE FOLLOWED!” When it comes to loans, lenders must
PART II: Uncertainty, Bias & Risk
Guidelines are the means of determining whether or not to make a loan. Guidelines avoid risk which is important to
Community Banks: How To Improve Profits & Performance
Some community banks are using HR analytics to find links between their human resources departments and their operational and financial
Part I: Are Guidelines Really Important?
Guidelines are the means of determining whether to make a loan. When a borrower doesn’t meet the guidelines, this indicates that
Back To The Future – The Benefits Of Manual Underwriting And Why I’s Needed In Non-Qualified Mortgage Loans
In today’s Qualified Mortgage market, so much is made of automated underwriting systems that I fear the industry is somewhat
Credit Union Commercial Lending: Big Potential for Small Lenders
Is business lending a major (or even minor) consideration within your credit union’s lending portfolio? Scott McFarland, CEO of
Stacking 101 – The Growing Trend in Commercial Lending
“Stacking refers to a scenario in which borrowers take out multiple loans in a short time period, often using the
Knock Down Your Big Data Haystack
And Find Your Golden Needle With Predictive Analytics I consider myself a Data Whisperer. Why? Because after working with big
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