Decision Making

Lending/Decision Making 

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

Currently, investment yield is declining and we need loan yield to increase earnings.  How can we make this happen? Our consultants will help you look at:

  • How to serve the underserved
  • Understanding the high yield philosophy and HYLS (High Yield Lending Strategy)
  • How to package loans in a manner to encourage successful repayment
  • How to build the application and loan notes to approve a greater number of potential turndowns
  • 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
  • Turndowns worth a second look


Recent Articles


Traditionally the advantages of a member-owned credit union were only extended to those who met specific guidelines. Now there are approximately 60 credit unions that are open to anyone across the country. 


Board members are arguably the most influential members of an organization. Here are a few ways your credit union can acknowledge directors during the holidays. 

Copyright 2013   Back to Top

Back to Top