White Paper

Balancing Lending Efficiency, Growth, and Scalability

By Beth Stetenfeld

posted 08.22.2017 (lending)

The CUNA Lending Council has published a new white paper, "Balancing Lending Efficiency, Growth, and Scalability”.

In a regulatory-heavy and competition-laden environment—amidst pressures to grow both the credit union’s overall assets and portfolio—lending leaders have a challenging road ahead. They must balance growth with the efficiency and scalability of the credit union’s lending operations.

This white paper explores those challenges, specifically in these areas:

  • What the balancing act looks like—how it’s effectively executed, maintained, and adjusted over time.
  • How lending leaders are working to achieve efficiency, growth, and scalability despite (and in line with) regulatory requirements. For example, how are lending leaders justifying their choices if/when they are questioned by regulators?
  • How credit unions’ balance of efficiency, growth, and scalability compares with notable competitors. How are credit unions more effective, and what can they learn from their competitors?
  • How the credit union’s strategic plan supports lending efficiency, growth, and scalability.
  • What tools are needed in this effort, and do lending leaders have the tools they need, including support across the organization, to make this balance a reality? If they don’t, what needs to happen?

This paper is the first in a two-part series about balancing factors in lending. While this paper focuses on balancing efficiency, growth, and scalability, the second paper, which will be published later in 2017, focuses on balancing credit quality and profitability.

This resource is only available to members. Please login to download or explore member benefits and join today

 

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