LSCI Will Assess the Following:

• Current loan policies and rates
• Financial performance reports
• New member accounts/process targeted at increasing member relationships
• Unsecured, auto, and indirect loans aimed at evaluating risk and missed opportunities
• Turndown applications to assess whether you may be missing business
• Non-performing loans to evaluate the predictability of default at the time of origination, including collection notes and original application
• Areas specified by the credit union including a full policy re-write

The Value of our Service:

• A comprehensive report summarizing our findings and strategies for removing barriers that may be hindering earnings
• Suggested rates, policy enhancements, incentive plans, and training tools
• A HYLS Report – We will run a few recent turndowns through our HYLS Underwriting Guide to show how loans can be made or how to mitigate risk on those loans
• A conference call with your senior management team