www.RiskBasedLending.com

Summary - The Bottom Line

Discover how to put the full power of
risk based lending to work at your credit union.

 
When you purchase "Risk Based Lender – The Credit Union Solution”, you receive: 

1. A complete "hardcopy" credit union lending package
    
   • No annual license fees or maintenance fees
      
   • No additional materials/supplies required (other than credit reports)
      
   • The package includes:

   • Basic training on how to become a proficient and confident risk based lender;
   • Step-by-step setup instructions;
   • Staff training material;
   • Tested and "optimized" risk tier levels for each Equifax, Experian, and TransUnion credit bureaus;
   • Board of Directors proposal template;
   • Sample risk based lending policy;
   • Tier testing score sheets;
   • Model Loan officer log;
   • Sample paycheck stuffer;
   • instructions on how to analyze, interpret, and mold your loan portfolio.
   • Plus, all material is on floppy disk, in Microsoft Word format, for easy credit union customization.
      

2. The premiere “dual-risk score system” for credit unions.
    
   • Unlike single-risk scores, which only consider delinquency risk, this package evaluates delinquency risk -- plus -- bankruptcy risk. 
     If you agree that bankruptcy is a growing problem -- you need a 2 risk score system.  If you don't agree  -- no problem, the system can easily be modified to accommodate a one risk score program.
      
   • Each tier level is thoroughly tested and "blended", using a proprietary formula for optimum results.
     
      
3. Flexible underwriting parameters and guidelines:
    
   • I explain the options -- you choose the best mix for your credit union's unique goals, operations, and membership base.
      

   • You determine your credit union's risk tolerance levels and establish the appropriate parameters within those levels.
      

   • You draw your own “line in the sand” to separate acceptable from unacceptable risk levels (automatic denials).
      

   • You choose what to do with your current under-writing guidelines and how or if you wish to incorporate them into this program.
      

   • You decide when and if you want to modify the underwriting parameters in order to meet short-term goals,  address changing economic conditions, and loan portfolio composition. 

      

4. Excellent Value
    
   • Low selling price coupled with a wealth of information, analytical tools, and unlimited free support.
      
   • Free Clients Section for updates and new information.
      
   • Free email newsletter with latest risk based lender news and updates.
      
5. Fastest-growing risk based lending product in the credit union industry
    
   • over 231 current credit union users (with assets ranging from $1 million to $575 million)
      
6. 100% Risk-Free Trial Offer:
    
   •  Take up to one full year--365 days-- to evaluate this package.  If you are not completely satisfied – simply return the package for a prompt, courteous, hassle-free refund of your purchase price (excluding shipping & handling).
      

 To accept your Risk-Free Trial Offer - Click Here 

© 2006 Risk Based Lender, LLC              All rights reserved.