Whether meeting shifting customer expectations or blunting new competition from fintech startups, established players must sharpen employee skills and refine business models.
Many credit unions utilize an originate-and-sell model for the bulk of their mortgage lending operations, selling production to investors like Fannie Mae and Freddie Mac.
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Hampel recommended that once a credit union determines how much its capital ratio will decline as a result of CECL, it should adopt a new policy to reduce the capital ratio target by a similar amount.