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

 

Cross-Council White Papers

Discipline Title Author Date  
 
LENDING
 

Emerging Loan Products, Categories, & Practices

CUNA Councils 12.17.2019 
 
LENDING
 

Emerging Loan Products, Categories, & Practices - One Page Summary

CUNA Councils 12.17.2019 
 
FINANCE
 

Innovative & Member-Friendly Sources of Non-Interest Income

CUNA Councils 12.12.2019 
 
FINANCE
 

Innovative & Member-Friendly Sources of Non-Interest Income - One Page Summary

CUNA Councils 12.12.2019 
 
TECH
 

Applying Agile in a Credit Union Environment

CUNA Councils 12.05.2019 
 
TECH
 

Applying Agile in a Credit Union Environment - One Page Summary

CUNA Councils 12.05.2019 
 
HR & OD
 

Managing Resources – One Page Summary

CUNA Councils 12.04.2019 
 
HR & OD
 

Managing Resources

CUNA Councils 12.04.2019 
 
M & BD
 

Marketing & BD Leadership – Inspiring Strategic Thinking

CUNA Councils 11.21.2019 
 
M & BD
 

Marketing & BD Leadership – Inspiring Strategic Thinking – One Page Summary

CUNA Councils 11.21.2019 
 
O & ME
 

Beyond the Chip: Smart Investments in Debit Card Innovations – One Page Summary

CUNA Councils 11.19.2019 
 
O & ME
 

Beyond the Chip: Smart Investments in Debit Card Innovations

CUNA Councils 11.19.2019 
 
CEO
 

The Professional Journey of a Credit Union CEO

CUNA Councils 11.14.2019 
 
CEO
 

The Professional Journey of a Credit Union CEO – One Page Summary

CUNA Councils 11.14.2019 
 
FINANCE
 

Preparing for Liquidity Exams – One Page Summary

CUNA Councils 10.30.2019 
 
FINANCE
 

Preparing for Liquidity Exams

CUNA Councils 10.30.2019 
 
TECH
 

Powered by Technology: Defining Effective IT Leadership

CUNA Councils 10.30.2019 
 
TECH
 

Powered by Technology: Defining Effective IT Leadership – One Page Summary

CUNA Councils 10.30.2019 
 
HR & OD
 

The Great Potential Debate

CUNA Councils 10.07.2019 
 
HR & OD
 

The Great Potential Debate – One Page Summary

CUNA Councils 10.07.2019 
 
CEO
 

Performance Through Purpose: Leading a Purpose-Driven Organization

CUNA Councils 09.10.2019 
 
CEO
 

Performance Through Purpose: Leading a Purpose-Driven Organization – One Page Summary

CUNA Councils 09.10.2019 
 
TECH
 

The Human Firewall: How Your People Protect Your Systems and Data

CUNA Councils 09.09.2019 
 
TECH
 

The Human Firewall: How Your People Protect Your Systems and Data – One Page Summary

CUNA Councils 09.09.2019 
 
LENDING
 

Lending Leadership – Sparking a Passion for Credit Union Lending

CUNA Councils 09.06.2019 
 
LENDING
 

Lending Leadership – Sparking a Passion for Credit Union Lending – One Page Summary

CUNA Councils 09.06.2019 
 
M & BD
 

Talent Wars: The Competition for Skilled Digital Marketers

CUNA Councils 09.05.2019 
 
M & BD
 

Talent Wars: The Competition for Skilled Digital Marketers – One Page Summary

CUNA Councils 09.05.2019 
 
O & ME
 

Process Automation: A Framework

CUNA Councils 09.04.2019 
 
O & ME
 

Process Automation: A Framework – One Page Summary

CUNA Councils 09.04.2019 
 
LENDING
 

Navigating the Rising Rate Environment - One Page Summary

CUNA Councils 07.18.2019 
 
LENDING
 

Navigating the Rising Rate Environment

CUNA Councils 07.18.2019 
 
CEO
 

The Evolution of Organizational Growth - One Page Summary

CUNA Councils 07.17.2019 
 
CEO
 

The Evolution of Organizational Growth

CUNA Councils 07.17.2019 
 
HR & OD
 

The Diversity Advantage: Credit Unions as Champions of Inclusive Leadership

CUNA Councils 07.16.2019 
 
HR & OD
 

The Diversity Advantage: Credit Unions as Champions of Inclusive Leadership - One Page Summary

CUNA Councils 07.16.2019 
 
FINANCE
 

Focus on Product Profitability: Analysis and Execution in the Race for Real Growth

Karen Bankston 07.11.2019 
 
FINANCE
 

Focus on Product Profitability: Analysis and Execution in the Race for Real Growth – One Page Summary

Karen Bankston 07.11.2019 
 
O & ME
 

Operations & ME Leadership – Who Owns Digital Banking? – One Page Summary

Beth Stetenfeld 07.08.2019 
 
O & ME
 

Operations & ME Leadership – Who Owns Digital Banking?

Beth Stetenfeld 07.08.2019 
 
TECH
 

Technology Leadership – Who Owns Digital Banking?

Beth Stetenfeld 07.08.2019 
 
TECH
 

Technology Leadership – Who Owns Digital Banking? – One Page Summary

Beth Stetenfeld 07.08.2019 
 
M & BD
 

Marketing & BD Leadership – Leveraging Data Analytics & Business Intelligence – One Page Summary

Beth Stetenfeld 06.13.2019 
 
M & BD
 

Marketing & BD Leadership – Leveraging Data Analytics & Business Intelligence

Beth Stetenfeld 06.13.2019 
 
LENDING
 

Lending Leadership – Leveraging Data Analytics & Business Intelligence

Beth Stetenfeld 06.13.2019 
 
LENDING
 

Lending Leadership – Leveraging Data Analytics & Business Intelligence – One Page Summary

Beth Stetenfeld 06.13.2019 
 
HR & OD
 

HR Leadership – Developing Initiatives: Project Management Strategies

Tracy Scott 06.06.2019 
 
O & ME
 

Operations & ME Leadership – Developing Initiatives: Project Management Strategies

Tracy Scott 06.06.2019 
 
HR & OD
 

HR Leadership – Developing Initiatives: Project Management Strategies – One Page Summary

Tracy Scott 06.06.2019 
 
O & ME
 

Operations & ME Leadership – Developing Initiatives: Project Management Strategies – One Page Summary

Tracy Scott 06.06.2019