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...from a business partner, what I expect is that they anticipate our needs, that they are proactive with us in creating solutions to grow and drive our business and that they’re really intimately involved with me as a business, not just providing a product or service. And that type of account management is really what we’ve found with Experian and that’s been the deciding factor.
Vice President of Consumer Lending, First Tech Federal Credit Union
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Brian Hamilton, Vice President of Consumer Lending
First Tech Federal Credit Union
Describe Your Role and Responsibilities.
I oversee all consumer loan operations for originations and servicing of all consumer loans with the exception of mortgage and equity.
What are Some of Your Biggest Challenges?
Well, currently loan growth is difficult. The market is flush with deposits. There’s been the flight to safety which is great, but we need to put that money back to work for our members. And with rates being as low as they are it is difficult to get a yield that we need to get to maintain the business while still growing the portfolio.
Which Experian Solutions Have You Implemented?
We currently use the QuestSM program on a quarterly basis. We do a full portfolio review and it allows us to identify members that may be at risk financially and gives us an opportunity to proactively reach out to them before any financial difficulties they have impact their accounts with us and oftentimes we can actually help to resolve some of their challenges. We also use a quarterly Prescreen program which we do extend offers for pre-screened members both on cards, secured loans and auto loans. We can then also use that at the front line staff level to create call lists so the branch staff have real warm leads to call out to, knowing that they’ve essentially passed the credit criteria already. Obviously, we use it as our primary bureau source as well.
Why Did You Choose to Work With Experian?
I’ve actually looked at Experian and compared them with your competitors a couple times and the bottom line is it’s really come down to partnership. From a vendor, I expect a vendor to provide what they say they’re going to provide, when they’re supposed to provide it and at rock bottom prices. But from a business partner, what I expect is that they anticipate our needs, that they are proactive with us in creating solutions to grow and drive our business and that they’re really intimately involved with me as a business, not just providing a product or service. And that type of account management is really what we’ve found with Experian and that’s been the deciding factor.
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