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  
 
FINANCE
 

Spotlight on Liquidity Management: Addressing Risks in a Rising Rate Environment

Karen Bankston 12.12.2018 
 
HR & OD
 

Creating an Employee Value Proposition

Beth Stetenfeld 12.11.2018 
 
TECH
 

Third-Party Management: An Evolving Framework for Technology Vendor Relationships

Karen Bankston 11.28.2018 
 
M & BD
 

Digital Metrics: Strategies and Tactics for Measuring Channel Effectiveness

Nancy Mann Jackson 11.26.2018 
 
CEO
 

Practical Paranoia: Handling Disruption from a Position of Strength and Flexibility

Beth Stetenfeld 11.09.2018 
 
LENDING
 

The Military Lending Act: Putting Compliance into Practice

Beth Stetenfeld 11.01.2018 
 
O & ME
 

Agility: Facing Constant Change

Beth Stetenfeld 10.24.2018 
 
HR & OD
 

Starting Strong: Onboarding and New Hire Strategies

Karen Bankston 10.22.2018 
 
TECH
 

Effective Change Management

Beth Stetenfeld 10.17.2018 
 
CEO
 

Safeguarding Members’ Trust: The CEO’s Role in Cybersecurity and Social Engineering

Karen Bankston 10.08.2018 
 
M & BD
 

Building Your Credit Union’s Brand Experience Playbook

W.B. King 09.20.2018 
 
FINANCE
 

Finance Leadership – Actionable Insights: Using Data Analytics and Business Intelligence for Better Decision Making

Beth Stetenfeld 09.20.2018 
 
TECH
 

Technology Leadership – Actionable Insights: Using Data Analytics and Business Intelligence for Better Decision Making

Beth Stetenfeld 09.20.2018 
 
LENDING
 

Loans Through a Strategic Lens: How Lending Executives Inspire Big-Picture Thinking and Execution

Karen Bankston 09.06.2018 
 
O & ME
 

Game Changer: How Operations and Member Experience Leaders Inspire Strategic Thinking

Karen Bankston 09.06.2018 
 
CEO
 

Leadership During a Crisis

Beth Stetenfeld 08.10.2018 
 
HR & OD
 

Inspiring Strategic Thinking: How HR and OD Lead a Forward-Thinking Credit Union

Karen Bankston 08.08.2018 
 
LENDING
 

Lending Leadership: Creating a Growth & Measurement Powerhouse

Beth Stetenfeld 08.07.2018 
 
M & BD
 

Marketing & BD Leadership: Creating a Growth & Measurement Powerhouse

Beth Stetenfeld 08.07.2018 
 
O & ME
 

Operations & ME Leadership: Creating a Growth & Measurement Powerhouse

Beth Stetenfeld 08.07.2018 
 
FINANCE
 

Leading Strategic Change: A Leader’s Role in Planning and Execution

Karen Bankston 07.26.2018 
 
O & ME
 

Service through Social Media

W.B. King 07.11.2018 
 
TECH
 

I for Innovation: How Technology Executives Foster Breakthrough Thinking

Karen Bankston 07.11.2018 
 
HR & OD
 

#MeToo: Rethinking Sexual Harassment Procedures

Beth Stetenfeld 07.09.2018 
 
CEO
 

The Digital Leader: Investing in Data Solutions

Beth Stetenfeld 06.25.2018 
 
LENDING
 

Macro Trends and Next-Generation Lending

W.B. King 06.21.2018 
 
M & BD
 

Team Chemistry: A Critical Factor for Success

Beth Stetenfeld 06.20.2018 
 
FINANCE
 

Emerging Risks

W.B. King 06.20.2018 
 
FINANCE
 

Leading Through Partnership: Governing Principles for Finance in Collaboration with Other Departments

Karen Bankston 12.14.2017 
 
M & BD
 

Martech: Emerging Marketing Technologies & Trends

Beth Stetenfeld 12.11.2017 
 
HR & OD
 

Building a Purpose-Driven Workforce

Beth Stetenfeld 11.29.2017 
 
M & BD
 

Partners in Success: How Marketing Can Collaborate Successfully with Other Business Units

Karen Bankston 11.28.2017 
 
O & ME
 

The Changing Face of the Branch

W.B. King 11.17.2017 
 
TECH
 

Cybersecurity Governance

W.B. King 11.17.2017 
 
CEO
 

The Critical Chemistry of Successful Executive Teams

Beth Stetenfeld 11.06.2017 
 
LENDING
 

Balancing Credit Quality With Profitability

Beth Stetenfeld 10.05.2017 
 
CEO
 

Community Visibility and the Role of the CEO

Beth Stetenfeld 09.21.2017 
 
HR & OD
 

Harnessing the Power of Data Analytics for HR and Organizational Development

Karen Bankston 09.21.2017 
 
TECH
 

IT’s Seat at the Table: Advocating for Technology as a Strategic Force

Karen Bankston 08.28.2017 
 
FINANCE
 

Managing Deposits Through Interest-Rate Cycles

Beth Stetenfeld 08.22.2017 
 
LENDING
 

Balancing Lending Efficiency, Growth, and Scalability

Beth Stetenfeld 08.22.2017 
 
O & ME
 

Journey Mapping 2.0: An Advanced Look at Member Experience

W.B. King 07.27.2017 
 
M & BD
 

Marketing & BD Leadership: Managing Resources

W.B. King 07.27.2017 
 
FINANCE
 

CFO Leadership: Inspiring Strategic Thinking

Karen Bankston 06.29.2017 
 
O & ME
 

Operations & Member Experience Leadership: Coaching Teams and Employees

Beth Stetenfeld 06.29.2017 
 
HR & OD
 

HR & Organizational Development Leadership: Leading Cultural Change

Karen Bankston 06.29.2017 
 
TECH
 

Technology Leadership: Coaching Teams and Employees

Beth Stetenfeld 06.21.2017 
 
LENDING
 

Lending Leadership: Coaching Teams and Employees

Beth Stetenfeld 06.21.2017 
 
M & BD
 

Marketing & BD Leadership: Managing Myriad Specializations

Beth Stetenfeld 05.18.2017 
 
TECH
 

Technology Leadership: Managing Myriad Specializations

Beth Stetenfeld 05.18.2017