Leaders in Lending

Latest Episodes:

Blockchain Banking: Another Avenue for Lending Markets Sep 14, 2022

Show notes

Is the future of everyday transactional banking going to be on the blockchain? Are we closer to bringing traditional currencies into and out of the crypto space for a wider range of banks and customers?
Sidney Powell shares his experience running and co-founding Maple Finance- a lending organization bringing capital markets on-chain.
Join us as Sidney and Jeff discuss:
Building an on-chain credit history and how grouping of funds can make lending more efficient and accessible
Application and value added services that can be provided on top of the blockchain to allow broader use
The real world adoption of crypto currency outside of the lending space, with examples from international payments and remittances.
Practical advice for people who want to get started in crypto

The Opportunity with AI Driven Lending: Paul Gu Sep 07, 2022

Show notes

There’s a lot of buzz about the “artificial intelligence revolution” and the impact it’s going to have on businesses as we know it. As AI and machine learning emerge in the consumer lending space, the technology has proven to provide dramatic wins for both lenders and consumers.
This week we are running an older, listener favorite episode featuring Paul Gu, co-founder of Upstart.

Addressing Post-Pandemic Challenges Across Talent, Regulation and Customer Needs Aug 31, 2022

Show notes

Banking has seen some drastic shifts since the global pandemic- from the competition to attract and retain new talent, to meeting the needs of customers facing increasing inflation and uncertainty in this precarious economic climate.
From his view over multiple institutions and as a public policy expert, our guest today, Ramon Looby, CEO of the Maryland Bankers Association gives us a nuanced look at the issues facing the banking industry.
Join us as we discuss:
Looby’s perspective as an industry advocate across community, national and multinational banks
Attracting and retaining talent in banking in an altered job market
The perception of so called “junk fees” for banking services
Putting financial literacy on the public policy agenda
Want to learn more about how Upstart partners with banks? Check out this case study mentioned in the episode.

Expanding Opportunity and Financial Freedom with MDIs and CDFIs Aug 24, 2022

Show notes

In recent years there has been more reporting and recognition of the racial wealth gap- the large, and growing, gap in the percentage of family wealth in black households, as compared to white households.
Banks like Carver State have been operating within the mission to serve the African American community since 1927 and are now leveraging partners to maximize their reach and accessibility.
Our guest today, Robert James, Chief Executive Officer at Carver State Bank, gives our listeners a look at the unique service they provide and how they have been addressing the racial wealth gap in Georgia for several decades.
Join us as we discuss:
Carver State’s role as both a minority depository institution (MDI) and community development financial institution (CDFI)
Unlocking credit access and opportunity
Leveraging fintech partnerships to find the balance between high tech and high touch
How the National Bankers Association (NBA) ensures the needs of MDIs across the country are met
Want to learn more about how Upstart partners with banks? Check out this case study mentioned in the episode.

Creating a Mission-Led Credit Union Fostering Financial Wellness Aug 17, 2022

Show notes

Credit unions are dedicated to not only serving their members’ financial needs, but to helping their members foster long-term, financial wellness.
Our guest today, Brian Vannoy, Chief Credit and Risk Officer at Allegacy Federal, describes Allegacy Credit Union’s unique approach to both direct and indirect auto lending as well as personal lending, and how they create opportunities to influence their members’ lives for the better.
Join us as we discuss:
Allegacy’s unique approach to both direct and indirect lending
The use of a network of point of sale relationships to offer better rates for members
Techniques to foster greater financial well-being for members
Creating a mission-led organization

Balancing Digital with Human Touchpoints to Excel in Consumer Lending Aug 10, 2022

Show notes

Digital strategies are not just for deepening relationships with your customers. The digital experience is also a way to refine and improve processes while also building community and trust.
Today’s guests Mary Kate Loftus, Executive Vice President, Director of Digital Banking, and Tim Frederick, /EVP, Head of Mortgage Originations at M&T, know that digital touch doesn’t replace a human connection with a customer, but it can help define it.
Join us as we discuss:
The difference between digitization and going digital to leverage platforms and transform processes
Government-led innovation in the mortgage space
The role trust plays in capturing and keeping customers engaging digitally
The characteristics that separate the winners from the losers in the future of consumer lending

Boosting Results for Credit Unions with Holistic Digital Marketing Aug 03, 2022

Show notes

Digital advertising is a given for any business in the world today, but how can credit unions connect the right products to their existing members and grow their member base?
By increasing and honing their digital engagement tactics.
Today’s guest Michael Hostetler, VP of Marketing at Crane Credit Union, shares how his credit union leverages data to thoughtfully market relevant products to members.
Join us as we discuss:
Using an entrepreneurial mindset to increase credit union member growth and engagement
Educating members about product offerings
Improving the new member and new loan onboarding process
Digital marketing strategies and channels that integrate the marketing and user experience

Winning the Battle for Member Loyalty Jul 27, 2022

Show notes

In a market where the consumer is juggling multiple relationships with financial institutions, how can credit unions compete?
Consumers want to better understand their financial well-being, which means they need a holistic picture across multiple platforms. Drawing on data from a mix of daily digital habits can provide just that, while also driving loyalty.
Samantha Paxton, Chief Experience Officer at Co-op Financial Services, shares her experience in building these systems for credit unions and the indispensable value they serve for strong member relationships.
Join us as we discuss:
How to measure the strength of member relationships
Driving engagement with payments and money movement
How to help foster financial well-being by being friction-free and guiding members to achieve their long-term goals

Leveraging Data to Thoughtfully Position Products and Deepen Consumer Relationships Jul 20, 2022

Show notes

Providing consumers with their credit score is table stakes in consumer banking. Now, banks and credit unions can take this a step further to assess where and when consumers are coming back, and how to ultimately use this information to grow their relationships more deeply and into new products.
Enter Array.
Today, Jacob Bouer, Director of Sales and Strategic Partnerships at Array, joins us to break down the concepts banks and credit unions need to know to get the most new credit technologies and their partnerships.
Join us as we discuss:
Providing consumers with a better experience surrounding their credit scores
How to measure the value fintech partnerships are delivering to end customers and members
How to thoughtfully position products and generate next best action capabilities

Understanding the People Behind the Numbers in Fair Banking Jul 13, 2022

Show notes

Data is critical to lending institutions, but financial institutions must remember that there are people behind the numbers.
With a focus on fair lending practices, financial literacy and compliance - Britt Faircloth, SVP, Fair Banking Officer at Valley Bank, offers her insights on how financial institutions can partner with their compliance teams to offer the right products for their communities.
Join us as we discuss:
Using data to ensure products fit the needs of communities
How compliance and product can partner
Fair lending approaches applied to non-lending products
Corporate responsibility and environmental, social and governance (ESG)
The importance of financial education and literacy

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