Consulting that provides strategic assessment, guidance and training.

Today’s lending environment comes with challenges such as regulatory compliance, risk management and loan performance analysis. These challenges can result in questions that can be difficult to answer and sometimes warrant a second opinion or necessitate advice from an outside expert. For this reason, Lending Insights provides credit unions with a wide-range of consulting services. Regardless of the size of credit union or the type of lending issue, our credit union consultants provide important insight to help simplify difficult decisions.

Lending Insights’ consulting services include:

Loan Profitability and Pricing Review by Credit Tier
A comprehensive analysis of your loan portfolio will result in an in-depth report of the portfolio’s profitability and whether the loan rates are set at an appropriate level in order to cover costs and losses.
· Determines profitability of the loan portfolio as a whole and by individual credit tier
· Analyzes the inherent risk of each credit tier and product
· Reviews current risk-based pricing and provides recommendations when needed

Loan Portfolio Performance Review
After providing a detailed analysis of your entire lending portfolio, we’ll let you know which areas need to be watched and provide actionable recommendations for improving performance.
· Static pool analysis of all losses and origination factors
· Shows how loan portfolios are performing from multiple risk perspectives

Detailed Lending Peer Comparison
Choose up to 10 credit union peers and we’ll provide a comprehensive report on how your lending performance compares in 13 key areas including growth, loss, and delinquency.
· Benchmarks lending performance with local credit unions and those throughout the country
· Gain an executive level overview of all your lending programs
· Overview presented by loan type (credit cards, auto, direct, indirect, mortgages, etc.)

Risk Mitigation Program Development
We’ll help deliver a comprehensive risk assessment of your loan portfolios and will then use the assessed data in an allowance for loan loss reserve and a credit line reduction program.
· Uses a template that has been recommended by regulators
· Assigns a loan level risk rating
· Classifies entire portfolio into risk pools
· Provides risk concentration reports

Underwriting Effectiveness & Streamline Study
After assessing your current underwriting scheme, we’ll provide recommendations on how your loan origination system can be configured and other actions that can be taken to help meet your goals.
· Reviews the loan application, decision and funding processes and provides recommendations where needed
· Compares current loan policies, guidelines, and procedures to industry standards and best practices

Lending Program & Strategy Development
We’ll help your team develop strategies that support your credit union’s lending goals and incorporate industry best practices in underwriting, originations, and business development.
· Finds opportunities to differentiate your lending in the local marketplace
· Recommends tactics that can be used to take advantage of future loan growth opportunities

Financial Model Development
We can tailor and customize specific financial models to help with your credit union’s decision making. Some of the models that we’ve developed are:
· Return on Investment models for new product assessment and financial decision making
· NPV calculation model for impaired loans under FAS-114
· Auto loan rate buy down models so that the credit union can offer auto dealer a flexible option for 0% or low rate financing
· Loan growth and loss trend projection models to use in planning

Training
Our experts provide one-on-one training and mentoring in areas such as financial concepts, decision engine theory/ logic and using our Lending Performance Management System.
· Training and consultation to meet the specific needs of your credit union

Collections
We’ll help you identify which collections tactics and processes from your credit union adhere to industry standards and best practices, as well as provide recommendations on areas that would benefit change. Areas analyzed include:
· Operational Structure
· Reporting and Metrics
· Collection Strategies and Quality
· Technology
· Repossession and Remarketing
· Legal and Bankruptcy processes and compliance

Staffing Analysis
We’ll help ensure your credit union is operating as productively and efficiently as it can with the staff that it has in place by reviewing staffing needs and comparing it to current roles and personnel.
· Reviews performance and skill sets of personnel and provides recommendations where needed
· Determines if credit union is staffed appropriately

Whether you are a Lending Insights LPMS user or a credit union looking for expert advice in managing your lending programs, our consulting services are designed to help you achieve your lending projections and goals.