On-Site Consulting

Lending Solutions Consulting, Inc. is the only place you need to go for your credit unions consulting and training needs. LSCI has the leading experts in every field with proven track records in large and small credit unions. How can we help you meet your goals and exceed member's expectations?

Rex Johnson and our other lending experts are the industry's most sought after consultants with demonstrated and proven abilities in both large and small credit unions. Rex's personal commitment is to equip and strengthen the credit unions performance through high energy, high-value one-on-one consultations and training. Rex will focus on showing credit unions how to substantially increase income by analyzing portfolio & policies, demonstrate to senior management and board of directors how to make more loans and how to incorporate risk-based lending, develop a sales culture, while providing world-class service to your members.

Our consultants can focus on the following topics based on your credit union's needs.

Planning Sessions

Let us assist you in strategizing for the upcoming year and help you meet your goals of 10%+ loan growth, 8.5-10% loan yield and maintain reasonable delinquency and charge offs. Our consultants can help with:

· How and where to grow loans

· Pricing

· Action plans to reach your goals

· Reward programs for management and staff

On-Site University of Lending:
Rex Johnson's renowned University of Lending (U of L) is now available on-site at your credit union. This will allow the credit union to cut costs on travel expenses and be able to train your entire lending/collection staff in one visit (Depending on the size of the credit union). The on-site U of L is the curriculum of the U of L, including the new manual which has the latest information on:

· How to lend in today's economy

· High yield lending

· Policies and pricing

Lending/Decision Making:

Do your lenders have barriers to make loans or are your lenders being scared off from making loans due to high delinquency?

Currently, investment yield is declining and we need loan yield to increase our earnings. How can we make this happen?

· Look at your processes and procedures, streamline your lending department
- Remove any barriers from saying yes (policies)

· Jumpstart loan growth

· Work with your loan officers and underwriters in a live environment
- Lending authority

· HYLS Decision Model (High Yield Lending Strategy)

· Turndowns worth a second look

Collections:
Are your collectors overwhelmed with delinquent accounts? Are they only dialing for dollars? Our expert team can assist in implementing creative and alternative actions to your recovery process.

· Collections follow-up

· Collector assessments

· How are you disposing your vehicles?

· Proper staffing

Sales Culture:
Does your staff need motivation to sell and look beyond just "filling the order?" Our high energy experts will motivate you and your staff to achieve world class results.
· Implementation of an incentive program that will best fit the credit union's needs and achieve your goals.

Member Service/Reflection Training:
Tellers and MSR's are your frontline people who have the most contact with your members. Are they trained to look for opportunities to help the members or are they merely people who execute transactions & process loan applications?

Follow-Up/Re-Fresher Training:
LSCI consultants will customize a training program for monthly, quarterly, or annual follow-up visits. This training will re-energize your staff an train them on the latest information. Also, new employees will get to enjoy the training possibly for the first time.

Many credit unions we consult with have found it beneficial to have a Portfolio Analysis completed prior to our visit. This will allow the consultant to review a sampling of your loans and will allow us to give the credit union an idea of what areas need the most focus. Most importantly this allows our consultants to use your own examples for training purposes, which will provide ownership to current issues you may be facing.

For more information on our consulting services please contact Marsha Wieder at 800-937-4249 x.3202 / mwieder@rexcuadvice.com