Roundtable Event

Making Better, Faster Lending Decisions Using Data and Analytics

04.29.2015 - 04.29.2015 (lending)

1:00 p.m. CST


Credit Unions face stiff competition in the lending game, especially when members are constantly on the move. How can credit unions keep up with the pace of consumer loan demand while ensuring that their portfolios remain safe and sound? In this session, Michael Cochrum, Executive Lending Advisor and CU Direct, will present strategies that credit unions can use to collect the right data, establish responsive lending strategies and continually monitor portfolio performance to mitigate risk effectively. Michael will present information about creating custom scorecards, performing static pool analysis to predict performance, risk grading your portfolio and discuss Fair Lending testing. With the right information in hand, your credit union will be better prepared to make Better, Faster lending decisions.


Michael Cochrum, Executive Lending Advisor, CU Direct

Michael Cochrum, Executive Lending Advisor at CU Direct, a credit union owned company founded in 1994, has made a career in consumer finance Michael Cochrumthat spans almost three decades. Michael has worked for several national banks, including Fifth-Third and Citibank (Citi). Mr. Cochrum came to credit unions in 1999, beginning his work with Metroplex Credit union and then City Credit Union of Dallas before joining the CU Direct organization in 2004. He has an extensive and broad lending background in underwriting, collections, asset recovery and program management.

Over the last four years, Michael has also been instrumental in bringing data analytics to the credit union space and is a sought after speaker and writer on the subject of loan portfolio risk management. Michael is now an Executive Lending Advisor, helping credit unions across the country optimize lending efficiencies and improve risk management strategies. He is lead instructor of the Lending Analytics and Portfolio Academy sponsored by Lending Insights. Michael is a 2004 graduate of the Southwest CUNA Management School and has returned to that school to offer graduate education sessions.

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