Podcasts about chief lending officer

In an industry rocked by constant disruption, how can leaders harness the forces of change rather than be swept away by them? In this episode, Christy Soukhamneut, Chief Lending Officer at University Federal Credit Union, shares her perspective on navigating the accelerating pace and scale of change with the wisdom of water as a guiding metaphor. Change is inevitable—it moves with or without us. But by being intentional, we can direct its flow, shaping how and where it leads.Christy emphasizes the importance of bringing others along on the journey, ensuring that all stakeholders have a voice—not only to achieve the best possible outcomes but also to drive real engagement and buy-in. Recognizing that Catalysts often operate at a relentless speed, she also shares small but powerful intentional life hacks, like her yoga practice and workouts, that help her stay recharged and resourced enough to lead change.Whether you're leading change in your organization or simply looking for ways to sustain your energy, this conversation offers invaluable insights on balancing momentum with mindfulness.Original music by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Lynz Floren⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Jeff Phillips, the Chief Lending Officer at Landmark National Bank and the Market President of Kansas City, shares his journey of becoming an intrapreneur within a banking organization, discovering the balance between working on the business versus in the business. Delve into Jeff's experiences and insights on leading a team, the transition from managing daily tasks to strategic planning, and how to cultivate a culture of learning and connection within a community-oriented financial institution. He reveals strategies for redefining personal success and prioritizing strategic thinking over routine tasks. Jeff and Dan also explore themes of mentorship, leadership, and fostering a supportive work environment driven by shared values and purpose. Tune in to uncover how faith and business intermingle and how you can transform your leadership style to become a force multiplier in your organization.

In this deeply personal and power-packed episode, Fobby sits down with his longtime friend and mortgage industry veteran, Kevin DeLory, Chief Lending Officer at EPM. What unfolds isn't just a leadership lesson — it's a masterclass in authenticity, resilience, and real connection.Kevin and Fobby reflect on their 12-year friendship, which started at Carrington Mortgage in 2012 when both were rebuilding after the 2008 meltdown. Despite time and distance, their bond has remained strong, grounded in trust, loyalty, and shared experience.The heart of the conversation centers on Kevin's unique leadership philosophy: the Three Ps — People, Problems, and Profit. He challenges the traditional obsession with title, power, and pay, and instead champions a leadership style rooted in listening, caring, and doing the right thing when no one's watching.Notable Quotes:“I never wanted to be a leader. But when six people looked at me and asked, ‘What do we do next?' — I realized I didn't have a choice. They chose me.” – Kevin DeLory“If you want the gold, talk to your people. Get to know them. Listen. Care. That's where real leadership lives.” – Kevin DeLory"There's always going to be another mountain to climb… I was looking for an outside solution to fix an inside problem." – FobbyWhat You'll Learn:Why the Three Ps (People, Problems, Profit) matter more than Position, Pay, and PowerHow authentic friendships fuel long-term leadership growthThe power of leading by example — and never asking your team to do what you wouldn'tWhat real influence looks like in today's mortgage industry

What makes a mortgage company not only survive but thrive in a competitive industry? People, technology, and culture. In our upcoming LinkedIn Live episode of Lykken on Lending, we're sitting down with Amy Smith, Chief Lending Officer at ALCOVA Mortgage, to explore how they've built a company where top talent stays, innovation drives efficiency, and community impact fuels growth. From their goal of 8-hour loan approvals to gamifying technology adoption, ALCOVA is redefining success in mortgage lending. Join us as we dive into their unique approach to leadership, culture, and cutting-edge automation—you won't want to miss this!

Send us a textBill Bartholomew welcomes David DeCubellis, Navigant's Chief Lending Officer for a discussion on first-time homebuyers. Support the show

Kick off Season 6 of Laugh, Lend and Eat with a powerful and insightful conversation featuring Kevin Peranio, Chief Lending Officer at PRMG. In this special episode, host Fobby Naghmi dives deep into the trends shaping the mortgage industry in 2025, including market predictions, the impact of inflation, and strategies for loan officers to thrive in a challenging environment. Kevin shares his expertise on building harmony between sales and operations, the evolving role of technology in lending, and actionable tips for mortgage professionals to connect with borrowers and close more loans. What You'll Learn in This Episode: Kevin's predictions for mortgage rates and inflation trends in 2025. The critical importance of understanding market data and staying informed. Why “win or learn” is a key mindset for loan officers in today's competitive market. Strategies for engaging borrowers, including the value of "starter home" conversations. How to leverage tools like AI, credit reports, and consumer insights to grow your business. The role of economic policies and government budgets in shaping the mortgage landscape. Notable Quotes from Kevin: “If you're closing one deal out of five credit pulls, you're winning." “Inflation is falling like a rock, and that's going to create tailwinds for rates in the coming months." “Loan officers need to position themselves as advisors—not just someone taking applications." Subscribe to Laugh, Lend, and Eat for more industry insights and inspiring conversations. Share your thoughts, and don't forget to rate and review!

"The person that turns over the most rocks wins the game and that's always been my philosophy." - Peter LynchRockstar of the home ownership and mortgage space and Chief Lending Officer of PRMG Kevin Peranio is back on the program today to talk all things housing market.  Kevin and Jay are unpacking the work it takes to curate your list of followers and keeping your reputation strong, passing on the knowledge of financial literacy onto the next generation, and sacrificing things you like to do that might not be conducive to you achieving the success you want.  We've got the good stuff coming your way on this episode of The Culture Matters Podcast.

In a heavily regulated industry like financial services, innovation can seem daunting. There are so many regulatory hoops to contend with, not to mention a fierce aversion to risk. But as Jerome Emanuel, Chief Lending Officer at Alternatives Federal Credit Union has discovered, if you focus on solving a proven problem and finding ways to say yes, the doors that end up opening just might surprise you. Jerome joins us for this month's episode of The Remarkable Credit Union podcast to discuss Alternative FCU's game-changing FAIR Mortgage product, including what inspired it, how they got it off the ground, and what the results have been to date. He also addresses this month's BIG question: How can a financial product address systemic inequality, and what risks are entailed in changing the rules of the “game?”

Emily Farley, Chief Lending Officer at Atlantic Bay Mortgage Group, shares insights on women in leadership, the mortgage industry, and current market trends. With 16 years of experience, Farley discusses the importance of personal development, community involvement, and supporting women in the industry. She addresses the current high-interest rate environment, inventory challenges, and potential market shifts in 2024. Farley emphasizes the importance of understanding loan-to-value ratios and debt-to-income ratios in lending. She offers advice for homeowners facing adjustable-rate mortgage challenges and encourages education in the mortgage process. Listeners can connect with Atlantic Bay Mortgage Group at AtlanticBay.com or follow Farley on Instagram at @GrowthWithEmily for leadership insights. #WomenInvesting #MortgageIndustry #WomenInLeadership #RealEstate #InterestRates #HousingMarket #CareerDevelopment #PersonalFinance #LoanToValue #AdjustableRateMortgages #FinancialLiteracy #MortgageLending #WomenInBusiness #LeadershipDevelopment   Key Takeaways: 0:57 Meet Emily Farley 5:08 The future growth of the mortgage industry 7:54 Housing shortages and interest rate increases 12:38 The importance of Loan-To-Value ratio 15:00 Adjustable-Rate Mortgage (ARM) 16:43 https://www.AtlanticBay.com/     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Episode Overview: In this episode of Laugh, Lend, & Eat, we welcome Kevin Peranio, Chief Lending Officer at PRMG, who shares his wealth of knowledge about the mortgage industry. Kevin dives into the importance of maintaining an abundance mindset, the challenges of homeownership for younger generations, and how industry professionals can adapt to the evolving market. Known for his long-form social media content and on-the-road reporting, Kevin emphasizes the value of sharing knowledge and creating positive energy within the industry. Key Themes: Abundance Mindset: Kevin discusses how adopting an abundance mindset helps industry professionals navigate the competitive mortgage landscape. The Importance of Starter Homes: He explains how younger generations should embrace starter homes as a way to build wealth and equity, even if it means moving away from prime locations. Future of Mortgage Rates: Kevin shares his optimism for the next 18 months, highlighting the trends that suggest mortgage rates will continue to improve. Quotes from KP's Insights: On the Importance of an Abundance Mindset:"You have to have an abundance mindset in this business... There's enough business, enough market share, and enough people for all of us to succeed. It's not a zero-sum game."Kevin emphasizes that there's plenty of opportunity in the industry and encourages professionals to collaborate and share knowledge instead of competing in a scarcity mindset. On Starter Homes and Building Wealth:"You're going to have to go away from the city, from the nice neighborhoods, and start somewhere. It's like your first job—you've got to work hard, build equity, and then you move up."Kevin explains the importance of embracing starter homes for younger buyers, helping them build wealth and eventually upgrade to better properties. On the Future of Mortgage Rates:"Rates have been turning down since October. The 10-year treasury is at 380, and once it breaks through that floor, we're going to be off to the races. The next year and a half could be fantastic."Kevin shares his positive outlook on the mortgage market, predicting that the coming months will bring significant opportunities for buyers and industry professionals alike. Call to Action:Follow Laugh, Lend, & Eat for more insightful conversations with industry leaders. Connect with KP from PRMG to learn how he's navigating the mortgage market with confidence and helping others do the same. Stay tuned for more discussions on fostering an abundance mindset and preparing for the future of the mortgage industry!

On Friday's AOA, we start the show with a look at the commodity markets and perspective from Don Roose with U.S. Commodities. In Segment Two, we get an ag lender viewpoint of the overall ag economy picture right now. Tara Durbin, Farm Credit Mid-America's Chief Lending Officer for Agriculture, joins the show for a conversation. Then in Segment Three, we get a different viewpoint on the potential security risks posed by Chinese made drones that we discussed a few weeks ago on AOA. Mariah Scott is the CEO of Rantizo and a member of the American Spray Drone Coalition. She joins the show for a conversation about this issue and why spray drones may not pose the security risks that some people are claiming they do. Then in Segment Four, we wrap the show with ag news headlines including some the latest drops in earnings for ag companies and more.  

In this episode from the Accrued series, presented by LoanPro, hosts Tedd Huff and Colton Pond sit down with Raktim Mitra, the Chief Lending Officer from Varo Bank. They dive into how AI is changing the game in financial technology, especially in fraud detection and credit services.Raktim explains how important it is to use different types of data, like transaction data and customer behavior data, to make better credit decisions. He also talks about the role of relationship data in understanding customers and offering personalized services.The discussion covers the challenges of serving underserved markets. Many Americans have poor credit scores or no credit history, making it hard for them to access banking services. Raktim shares how technology can help provide timely access to credit for these people.Personalization and efficiency are key themes in the conversation. Raktim believes financial products must be tailored to meet individual needs, not just when customers sign up but throughout their entire experience. He explains how modern tech can help banks and lenders offer more personalized services, like adjusting payment dates based on customer behavior or offering installment loans for big purchases.The hosts and Raktim also talk about the importance of following regulations in banking. Compliance with rules like KYC (Know Your Customer) and AML (Anti-Money Laundering) is crucial for safety and customer trust. Raktim points out that doing the right thing for customers often aligns with these rules.Looking to the future, Raktim sees financial products evolving based on what customers need. He expects more companies to use advanced technology to improve how they serve customers and keep up with market demands. This episode is packed with valuable insights for anyone interested in lending, credit, and how technology is shaping the future of banking.Tune in to learn more about these exciting topics and hear Raktim's expert advice on staying competitive in the fast-paced world of financial technology.Key HighlightsAI Takes Over Banking!Raktim Mitra shares how AI is used in banking today. Learn how it helps with things like credit services and fraud detection. Discover how banks use AI to understand and serve their customers better.Unlocking Customer Secrets!Raktim talks about the power of relationship data. Find out how banks use information from their customers to provide personalized services and make better decisions.Cracking the Code of Credit!Raktim explains the importance of alternative credit data. See how transaction data, customer behavior, and payroll data help make accurate credit decisions.Banks Vs. Bad Credit!Many Americans struggle with poor credit scores. Raktim discusses how technology can help these underserved markets get the credit they need.The Tech Behind Your Bank!Modern tech stacks are changing banking. Raktim shows how these systems help banks launch new products quickly and stay competitive.Personalized Banking for All!Raktim believes in personalization at every step. Learn how banks tailor services to meet individual customer needs, from signup to everyday interactions.Banking Rules You Need to Know!Compliance with banking regulations like KYC and AML is crucial. Raktim discusses how following these rules helps banks maintain safety and trust.The Future of Financial Services!Raktim predicts how financial products will change based on customer needs. Find out what he expects for the future of banking and lending.Efficient Banking Explained!Raktim talks about combining operational efficiency with customer satisfaction. See how banks can provide quick, personalized services

“Men build too many walls and not enough bridges.” - Sir Isaac NewtonAfter way too long of an absence, we have the Chief Lending Officer of PRMG Kevin Peranio back on the program today!  After a little catching up and going through the challenges the COVID-19 pandemic provided, Kevin and Jay chat about what a useful tool LinkedIn can be, what being on the road is like and why taking the extra time to talk with people is so important, and why keeping up with the latest trends and techniques in business is so valuable to your professional growth.  We're hoping it doesn't take so long to have Kevin back on the show and we're sure you'll see why after this episode of The Culture Matters Podcast.

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Kevin Peranio, Chief Lending Officer, PRMG 1:39 - I always like to get started with our journeys to the mortgage industry. Tell us how you got into this business. 3:20 - You've had a long history in the mortgage industry, 2023 was a tough year for originators. How can a company be competitive in a purchase market like this? 5:58 - You have an incredible following in this industry KP! Including your weekly LinkedIn market update – how did that get started? 11:13 - Can you share some of the best highlights from our 2024 Mortgage Innovators Conference? 14:13 - California MBA has launched a PR campaign to highlight the impacts of our insurance crisis. How can the industry support our efforts? 17:20 - Can you share with us why you and PRMG choose to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

"Acquire worldly wisdom and adjust your behavior accordingly.  If your new behavior gives you a little temporary unpopularity with your peer group, then to hell with them." - Charles MungerThis episode of The Culture Matters Podcast is one where we are celebrating!  Our good friend and the Chief Lending Officer and partner at EPM Kevin DeLory is back on the program and we are here to talk about his recent fight with and win over cancer!  Kevin and Jay are going to go through Kevin's battle and how he has changed and how his mentality has changed since coming out on the other side, about how the love and support from his friends and family and work family were the cornerstones of his recovery, and even after all he has been through, he is still thinking about growing the business.  Kevin DeLory beat cancer, ladies and gentlemen, and there isn't much we can say here that expresses our happiness.  Please enjoy this celebratory episode of The Culture Matters Podcast!*This episode was recorded in November of 2023 and since then we learned that Kevin will go on for a second battle that he sure to overcome...nobody is stronger than Kevin on this journey.*

Today, we have the privilege of interviewing Tim Wheeler, Chief Lending Officer with Tennessee-based Fortera Credit Union for the Banking Transformed podcast. Time shares how Fortera has leveraged technology, challenged traditional thinking, and eliminated unnecessary friction points to create a seamless, efficient, and member-centric lending experience. Wheeler emphasizes the importance of a data, analytics and a digital-first mindset and the role of leadership in driving change within the organization. He also highlights how Fortera's stable and forward-thinking management team has been instrumental in fostering a culture of innovation. By understanding member behavior and anticipating their needs, the credit union aims to provide personalized recommendations and proactive support at key moments in their members' financial lives. This episode of Banking Transformed Solutions is sponsored by MeridianLink MeridianLink® (NYSE: MLNK) powers digital lending and account opening for financial institutions and provides data verification solutions for consumer reporting agencies. MeridianLink's scalable, cloud-based platforms help customers build deeper relationships with consumers through data-driven, personalized experiences across the entire lending life cycle. MeridianLink enables customers to accelerate revenue growth, reduce risk, and exceed consumer expectations through seamless digital experiences. Its partner marketplace supports hundreds of integrations for tailored innovation. For more than 20 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at meridianlink.com.

Kevin Peranio, Chief Lending Officer. Highlights include: no dual representation; industries are specialized; impact of buyer's cycle time; mine your own database and master one thing. Kevin has been in the mortgage industry for over 25 years.

Vince Nowicki, Chief Lending Officer for Mission Fed Credit Union, talks about the challenges of affordability in today's real estate climate; how the credit union is offering webinars on its diverse home loan packages; and the future of San Diego real estate market.

  •  Crypto and blockchain in the credit union industry. 0:03    •  Central bank digital currencies and their impact on the financial system. 9:37    •  Central bank digital currencies and their impact on financial institutions. 15:05    •  Digital assets and their impact on credit unions. 18:42    •  Lightning Network and its impact on the financial industry. 25:14    •  Credit unions and digital assets, including balance sheet implications. 30:07    •  Wall Street and digital assets, including ETF launches and institutional investment. 37:15        Interestingly, SWIFT, underpinning our current financial system, partnered with Chainlink in mid-2023.   Why do you think that is? Guests Jon Ungerland and Chase Larson break down why credit unions need to pay attention to crypto.  Jon Ungerland CIO - Information/Innovation at DaLand LLC C:UsersOwnerOneDrive - ServiStar ConsultingPicturesPicture13.jpg Jon believes local financial institutions can contribute to the flourishing of democracy and quality of community life by ensuring fair and affordable access to capital and modern banking services; I know they can, but I'm concerned they won't by default. I don't like to consider what that means for my son's financial and entrepreneurial future, and I feel the same about your progeny and future generations in general. Financial literacy and autonomy in the 21st century will require our financial institutions to understand and embrace the paradigm shift of digital assets and decentralized/distributed technologies. I contribute time, talent, and treasure to promoting influential organizations at the epicenters of financially dignified and free communities in the 21st Century. I engage in the daily exploration of philosophical principles and technological concepts surrounding the privileged position of community financial institutions and community service organizations as centralized, trusted, local organizations in an era of big-tech and hyper-conglomerated disruptive ‘innovation' and rapid technological disintermediation. As a technologist driven by perpetual intellectual curiosity, I work to immerse myself in the technologies and trends that impact financial institutions and the communities they serve. I welcome the opportunity to work with your organization while examining strengths and weaknesses in your strategy for remaining relevant in the modern era. I enjoy educating leaders in using data and technology to promote relevance as the financial core within their community. I am comfortable with cutting against the grain of momentary trends and costly habits/obsessions that undermine the core values of free and flourishing financial institutions. https://www.linkedin.com/in/pju2/ www.dalandcuso.com   Chase Larson Executive Vice President, Chief Lending Officer & Leader of Digital Asset Strategy St. Cloud Financial Credit Union ABOUT Chase is a pioneering leader in the credit union sector, recognized for his profound commitment and innovative strategies that span nearly two decades. His journey in finance, credit, banking, and particularly in the credit union industry, has been marked by dynamic leadership in areas ranging from risk management and strategic portfolio growth to member business lending and SBA. Chase's expertise extends into digital assets, digital finance, crypto, tokenized assets, and special asset management, showcasing his ability to navigate and merge traditional financial principles with the emerging digital economy. Currently, as the Executive Vice President & Chief Lending Officer at St. Cloud Financial Credit Union, Chase has been instrumental in steering the organization's growth and innovation ethos. His visionary leadership was pivotal in launching the "CU Digital Asset Vault," a trademark initiative by SCFCU, marking a significant milestone in the credit union's journey towards embracing digital asset and blockchain technologies. This strategic move underlines Chase's deep-seated passion for and dedication to the digital asset and blockchain industry, where he has been deeply ingrained for over 7.5 years. Chase's leadership has also been crucial in successfully launching SCFCU's Business Services Strategy, which remarkably achieved 70% of the overall MBL cap within the first 15 months. His forward-thinking approach led to the development and execution of the credit union's first-ever SBA strategy and the innovative "Extra Mile Loan Program," aimed at enhancing indirect loan yields. Beyond his strategic initiatives, Chase is fervently passionate about education and advocacy in the digital asset space. His commitment to educating members and employees on Web3, the potential (future) digitization of money, is a testament to his belief in the transformative power of blockchain technology. As an active board member of the MN Crypto Council and a recognized speaker on digital assets and blockchain, Chase is dedicated to enlightening the community and fostering a deeper understanding of these emerging technologies. His efforts to bridge the gap between traditional finance (TradFi) and decentralized finance (DeFi) reflect a keen focus on helping credit unions and other financial institutions navigate the complexities of the digital finance landscape. Chase's unique blend of passion, strategic foresight, and commitment to education positions him as a key figure in the integration of digital assets within the credit union sector and beyond. Chase's educational background, with a Bachelor of Applied Science (B.A.Sc.) focused on Business Administration & Management (Finance Emphasis) and an AAS degree in Sales & Management lay the foundation for his strategic and innovative thinking. However, his unwavering dedication to people's development truly sets him apart. A staunch believer in the power of coaching and creating an environment where every team member can thrive, Chase embodies the essence of a transformative leader who is not just at the forefront of financial innovation but also a catalyst for growth and change within his organization and the industry at large. https://scfcu.org/ https://www.linkedin.com/in/chase-larson-104810a2/ https://www.mncryptocouncil.com/      

I'm joined by the incredible Christy Soukhamneut, Chief Lending Officer at UFCU, and we're discussing how make POSITIVE decisions going into 2024! Come #SHRED with us and join the conversation.

Credit unions across the country are searching for ways to offer their underserved members pathways to homeownership. But when it comes to affordable housing, it's clear that bolder action is needed to meaningfully move the needle. The affordable housing crisis is particularly acute in Seattle, Washington, where home prices increased by over 80% between 2010 and 2020. This month we're excited to welcome Uche Okezie, Real Estate Development Director at HomeSight, a Seattle-based nonprofit, and Tina Narron, Chief Lending Officer at Verity Credit Union, also based in Seattle, to talk about how they are cross-pollinating, collaborating, and breaking convention to reimagine solutions to this thorny and seemingly intractable social issue. We also address this month's BIG question: How can credit unions “dream more boldly” when it comes to community development and what kinds of innovative partnerships can they forge to drive this work forward?

In this encore episode from 2022, Dane talks with Emily Blaylock, Senior Vice President and Chief Lending Officer for Northwest Bank about Tax Increment Financing (TIF). Northwest Bank & Trust Company is an entrepreneurial bank that has built an Economic Development Division to help developers and municipalities get projects done around the US. They utilize Tax Increment Financing incentives designated from the municipalities to give developers funds upfront. These funds can be used to provide gap equity, expansion of existing sites, investment in other projects, working capital needs, or tenant improvements. Currently, they have completed projects in 8 states and over $400 million in funding. Their team has over 100 years of combined education in economic development and banking to help structure these loans. Update: Since this episode originally aired, Emily is now the CEO of Untamed Equity (https://www.untamedequity.com/), a company dedicated to bridging the gap between development projects and the equity needed to complete them. Like this show? Please leave us a review here (https://econdevshow.com/rate-this-podcast/) — even one sentence helps! Special Guest: Emily Blaylock.

The nation is drowning in medical debt.  According to KFF (nee the Kaiser Family Foundation) some 100 million of us have medical debt - 41% of adults.  About one in five do not expect to ever be able to pay their debt off, according to KFF.  Enter Epic River, a Fort Collins CO based lending as a service provider, which came up with a startling idea.  What if it took all of, say, a hospital's unpaid bills and handed them off to a financial institution to professionally service that mountain of debt, asked Jeff Grobaski, CEO of Epic River.What FI would take the debt? That's where this idea is truly inspired.  In this show, Dan Edgerton, Chief Lending Officer of Clarity CU, explains that the credit union assumes zero risk. Nada. Even though it does no credit check when taking over the debt.  That's right: no FICO check. Nothing.He admits that the CU board wondered if this was too good to be true.But it is true and that is because when a debt is determined to be unlikely ever to be repaid, the paper is returned to the originating hospital which assumes the loss.But the kicker is that so far Clarity has a default rate of only about 7%.  That means 93% of the paper is in fact being serviced by the debtors.Grobaski adds that many of the participants in the program have decent credit scores, often in the vicinity of 700.  That makes sense.  A person with a sub 300 FICO score  may already have simply given up.  At 700, however, the person has much to lose and probably wants to do the right thing.To really understand this innovative program, listen to the whole podcast. It's stuff you almost certainly have never heard before.Listen upLike what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Inflation is a topic that often elicits a sense of stress and concern. According to AP news, last year, in 2022, the average inflation rate was around 8% and reached a peak of 9.1% — which is the highest it's been in 40 years! However, don't panic. There are effective methods that can help you navigate the potential impacts of inflation — and this episode of Making it Count will teach you how! With the help of Miriam Mitchell, a Chief Lending Officer at Addition Financial Federal Credit Union, Cristina and Randy take a deep dive into different financial strategies to beat inflation.

Kevin DeLory is Chief Lending Officer & Partner at EPM, a mortgaging servicing company.“Intellect is a wild force in history. But, it can also be a destructive power. It becomes an instrument of justification for impulse.” 00:00 Intro 10:53 Don't give up too soon.19:55 Trust and a sense of equality create a strong foundation for a company.30:20 Too much money can be a problem, just like not enough money.

This week, we have our second LA Lad in a row! We are joined by Scott Gaudin, Chief Lending Officer of Currency Bank! Scott and Melissa have known each other since college, but now get to have a business relationship. Listen along to learn how Scott got into the banking business in the first place, how banks make money, and how Scott and his team have made Currency Bank into such an incredible success story. We learned so much while recording this episode and hope you do too! Thanks for joining us, Scott! Check out Currency Bank: Home - Currency Bank October book of the month: ⁠⁠⁠The Secret a book by Rhonda Byrne (bookshop.org)⁠⁠⁠ Listener support! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Louisiana Ladies • A podcast on Anchor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Catch up on Louisiana Ladies on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Follow Louisiana Ladies on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠laladies.info⁠⁠⁠⁠⁠⁠ --- Support this podcast: https://podcasters.spotify.com/pod/show/louisianaladies/support

In this podcast episode, Harold King, President of the Council of Industry, sits down with John Rath, Chief Lending Officer of Lakeland Bank & Advisory Board Member of the Food Bank of the Hudson Valley. Since the needs of the Hudson Valley are growing, the Regional Food Bank of Northeastern New York and Food Bank of the Hudson Valley are embarking on a $6.5M Capital Campaign for a new facility that will resolve current space limitations and position them to meet the demand for the foreseeable future. To find out more information on this initiative, and to donate, visit regionalfoodbank.net/hudsonvalleyproject.Lakeland Bank manages $10 billion in assets, serving New Jersey and Highland Mills, N.Y. It focuses on financial strength, offering services like commercial loans, healthcare loans, and treasury management. For consumers, it provides deposit accounts, digital banking, loans, and wealth management. The bank has received awards like Forbes' Best-In-State Bank for five years, American Banker's Best Bank to Work For, Bauer Financial's 5-Star Bank, NJBIZ's 50 Fastest Growing Companies, and Piper Sandler Sm-All Stars. Harold and John in this episode delve into John's journey in the banking industry, his involvement in economic development, and his dedicated work with various charity organizations, including the Food Bank of the Hudson Valley. John discusses the crucial role the Food Bank plays in providing food to those in need across the Hudson Valley region. The Food Bank is currently embarking on a capital campaign to build a new 40,000 square foot warehouse in Montgomery, New York, which will significantly expand its capacity to store and distribute food to local agencies and communities. John highlights the importance of this project, the urgency of raising the necessary funds, and the widespread support the campaign has received from local businesses, leaders, and organizations. As we explore the economic landscape, John discusses the factors influencing the region, from rising interest rates to the challenges faced. He emphasizes that the Food Bank's mission to provide food to those in need will always be essential, especially during economically challenging times.For more information about the capital campaign, and to donate, visit regionalfoodbank.net/hudsonvalleyproject.For more information about Lakeland Bank visit their website at lakelandbank.com or their Facebook at facebook.com/LakelandBank.--The Council of Industry has been the manufacturer's association of the Hudson Valley since 1910. We are a privately funded not-for-profit organization, whose mission is to promote the success of our member firms and their employees, and through them contribute to the success of the Hudson Valley Community. For more information about the Council of Industry visit our website at councilofindustry.org.

Our guest on this episode of The Bolder Banking Podcast is Matt Rathjen, Executive Vice President and Chief Lending Officer at Generations Bank. Once students complete their 2nd year at The Graduate School at Colorado, they complete a Strategic Project on a topic of their choosing. After completing his 2nd year at GSBC in 2022, Matt decided to do his strategic project on evaluating the future of banks less than 100 million in assets. Matt did a great job of researching this topic and I know you will enjoy the insights he shares.

Today we are joined with 1st State Bank's Executive Vice President & Chief Lending Officer, Todd Gregory, and Saginaw Bay Underwriter's President & CEO, Peter Ewend, to discuss the rise of check fraud. Fraud is back on the rise. Changing checks - whether it be tampering the dollar amount or duplicating a check - is becoming very common in the banking world. The level of information provided on a check and the technology we have makes them an easy target for fraud. Another form of fraud going around as of late is mail fraud, or stealing mail directly from mailboxes.While fraud can be alarming, there are some ways you can prevent it. A few different methods include verifying requests, monitor your accounts, and noting all the information provided on the check you are about to send. There are also insurances available for business to protect against losses and other policies put into place to protect aspects of fraud.Todd and Peter's tips for staying safe against fraud include being knowledgeable, aware, and educating others. Prevention is key, and working with others can be a great resource. You can connect with Todd and Peter here:Todd Gregory | LinkedInPeter Ewend | LinkedIn1st State Bank Saginaw Bay Underwriters

On today's show we have the Chief Lending Officer and Co-Founder of Renovo Financial: meet lender Daniel Rosen, out of Chicago, Illinois. On this episode, the guys talk to Daniel about what it was like lending before the ‘08 crash, how Surviving is necessary to Thrive, and how Renovo is currently on the road to becoming a $10 Billion lender.Join the Deals & Dollars community today. If you're interested in becoming a guest on the show or receiving exclusive invites to our networking events, visit our official website.Official WebsiteInstagramYoutube

“Wherever you are, it is your friends who make your world.” - William JamesKevin DeLory is Chief Lending Officer &Partner at EPM.00:00 Intro10:45 Core values and principals are the things that will create your success if you stick to them, no matter what. Kevin's are love, honor, and respect.20:22 Certain types of people within a business will eat away at your culture. Know who's adding value and who's causing damage.30:44 Self-motivate. Don't wait for someone to come do it for you, it will never come.53:18 Take responsibility for making your team successful instead of just expecting it to happen on their own.01:00:29 When you stop seeing your “competition” as someone you're competing with, you can work off each other and make eachother and the industry better.01:10:10 Does making the most money make you the best person you can be?01:20:19 Be positive. Don't let negative energy distract you from your success. 

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Kevin Peranio, Chief Lending Officer, PRMG Topics of Discussion: 1:37 - I always like to start by sharing how someone got into the mortgage business.  Tell us where you started?   3:45 - Being a leader during hot markets is much different than challenging markets, like we're in today.  What are some of the leadership values that can help companies in a year like this? 5:42 - You've had a long career in financial services, what advice would you give a young mortgage professional just starting out?   7:45 - You started in this industry when there was next to no technology.  Now we're in an era where technology is key for the mortgage industry.  What areas of technology adoption will be the highest priority for your company this year?   10:13 - Kevin, you've been to every Mortgage Innovators Conference since our inception in 2019.  What can you share with listeners about the value of that event?   12:46 - You're also a member of our Board of Directors and have encouraged many companies to become active with the California MBA.  Can you share with our listeners the importance of supporting our association? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Looking to maximize conversions, double retention rates, and expand your referral network?In the second episode of our Breaking the ICE video series, your host Eric Kujala, VP of Product Marketing, ICE Mortgage Technology®, and special guest Dan Catinella, Chief Lending Officer, Total Expert, share the importance of leveraging data and intelligence to grow your business and enhance your customer base just in time for homebuying season.With applications increasing and demand heating up, it's the perfect time to refresh your business tactics, so you can watch your conversion and retention rates bloom.

Employee stock opportunity plans aren't just for employees as the name suggests. Business owners can benefit from ESOPs just as much. In this episode, Mark Dorman is joined by Kevin Vonderau, Executive Vice President and Chief Lending Officer of Westfield Bank, and Dan Bender, Senior Vice President at Westfield Bank, in discussing the role of … Read More Read More

As trends drive people toward rural living, homesteading, and farming as a lifestyle choice, statistics show a dwindling agricultural workforce across America. This week, Liz is joined by long-time friend Art Whaley to investigate the realities of supporting farmers in today's economy. Art, who studied Agriculture Economics at University of Tennessee, is the Chief Lending Officer for Rural 1st, the consumer lending division of Farm Credit Mid-America. He shares his insight into the process of lending and financing for farmers and how extension agents like Farm Credit work to support farmers. Liz and Art discuss why it's important to teach our kids about agriculture, and how their own experiences with farming have changed their perspectives. Plus, what can we do as parents to make sure our families get the most well-balanced, healthy foods? - - - - - - - - - - -Liz Durham Instagram | WebsiteSubscribe Apple Podcast | SpotifyBeing Different with Liz Durham is a Palm Tree Pod Co. production

This is one episode of the Fintech Hunting podcast that you do not want to miss. Our guest is an industry thought leader, technology evangelist, lending guru, and content creator; please help me welcome Kevin Peranio, Chief Lending Officer at PRMG, back to the show. In this episode, we discuss a reset, spring purchase season, preparing for new market conditions, future success, first-time home buyer ages rising, going back to basics, technology, and much more.

Today, we're joined by Kevin Peranio. Kevin is the Chief Lending Officer at PRMG, Inc. from Newport Beach, California, with over 20 years experience.   Kevin is here to discuss the 7 "D"s, why branding is important, and why being first to the client is crucial.   PRMG Website: www.prmg.net Kevin Peranio's LinkedIn: @KevinPeranio Kevin Peranio's YouTube: @kevinperanio   Loans On Demand Website: www.loansondemand.io Luke Shankula's Facebook: @LukeShankula Luke Shankula's LinkedIn: @LukeShankula   I Love Mortgage Brokering: www.ilovemortgagebrokering.com   Find out more about BRX Mortgage: www.rookietorockstar.ca   Find out more about the 10 Loans A Month Academy: www.10loansamonth.com

Kevin DeLory has over 20 years of experience in the TPO space. Kevin has a leadership style that always puts him in the trenches working through any problem with his team versus a bird's eye view from above. Kevin believes in the bottom-up philosophy that the leadership team at EPM has created. Kevin has several internal core values but among them his favorites are accountability, relationships over transaction, and integrity. Today, Kevin is the Chief Lending Officer and Partner at EPM (Equity Prime Mortgage) where he thought culture was just a buzzword, and boy was he wrong. Kevin explains his journey at EPM as a complete 180. “Everybody speaks about culture, but nobody lives it like I have seen in this organization” said DeLory after celebrating his one-year anniversary in August of 2022.More than anything, Kevin's experience has left him an eager mentor. The greatest joy in Kevin's life aside from his daughter is to help his team become the best that they can be. That means both in and out of the office. He learns from his people just as much as his people learn from him and for that he is eternally grateful.Having been in the industry through its ebbs and flows, Kevin is familiar with the stresses and rewards, and can turn ANYONE into a high performer. His strong sales training ability mixed with his leadership and culture knowledge is a perfect recipe for anyone who walks through his door ready to learn and grow.You can reach out to Kevin anytime by email at Kevin@epm.net or you can go to epmwholesale.com and fill out any form or see anything EPM's team is up to there. You can also tune into his podcast, “The Whole Perspective” with his SVP of Lending at EPM and best friend of 30 years, Kenny Phillips. They air an episode every Friday at 11:30AM EST. In this episode, Jay hones in on Kevin's story, life experiences, and mortgage industry knowledge. Tune in for the ride that it is.

Delivering the best member service at credit unions was once totally dependent on face-to-face relationships, and while that is still important today, the digital transformation has upended what constitutes personalized service. The balance between a human high-touch level of service and digital ease is now table stakes in lending. Cherly Purrington, Chief Lending Officer at ACFCU, shares her experience in building new digital systems that bring both high touch, security and ease of use to members. Join us as Jeff and Cheryl discuss: The model of ITMs (Interactive Teller Machines) in bringing high touch service to members, but also being digitally accessible from multiple locations The elements that go into driving your institution through a digital transformation How you find the right leadership staff to motivate and manage teams to deliver high quality of service in the digital space Want to learn more about how Upstart partners with credit unions? Check out this case study mentioned in the episode.

In this day and age, technology is not anymore just about scaling a business. It is about the return on investment or value add it can provide. In the lending space, this means finding the technology that can make you efficient and scale through the amount of deal flow—a much-needed tool in this tight market. Dan Catinella has 20 years of experience in mortgage technology, focused on driving digital transformation through all lending channels. He joins David Lykken to share his insights on lenders leaning on technology, whether on a crutch or to be successful, given the current market conditions. As the Chief Lending Officer of Total Expert, Dan develops high-impact innovation strategies that align with the company's business goals and growth priorities. He dives deep into some of those, giving a glimpse of how they invest in customer intelligence and data mining. Plus, Dan also gives his advice to lenders on where to focus right now and how to break through the negativity with the ups and downs in the industry.

There are a lot of educational resources to learn from when it comes to the lending industry. You can read up on books or listen to podcasts about the state of the markets. But most importantly, you can attend the right conferences. But what happens if you can't attend? Don't worry because the guest today, Kevin Peranio, has you covered. Join David Lykken as he talks to Kevin about the market and why he creates educational video content. Kevin is the Chief Lending Officer at PRMG, Inc. His main goal with PRMG is to enhance the overall customer experience. Learn more about the market today and whether or not interest rates will rise or drop. Discover what conferences to attend in the lending business. And find out how Kevin is bringing value into the lending industry by uploading his own personal, educational videos. Start learning and check out a few today on LinkedIn!

Now's the time to learn how to adapt your business strategies to navigate today's market and prepare for future success no matter what comes your way. Join https://mortgagechampions.com (Mortgage Champions), in partnership with https://www.icemortgagetechnology.com/ (ICE Mortgage Technology), for expert advice on how to navigate the mortgage business during times of change. Tune in to hear from long-time friends and industry leaders, https://www.linkedin.com/in/dalevermillion/ (Dale Vermillion), CEO of Mortgage Champions, and https://www.linkedin.com/in/kevin-peranio-6a56801/ (Kevin Peranio), Chief Lending Officer, PRMG as they discuss their passion for helping people achieve the dream of homeownership, their top tips to find motivation and achieve success in today's housing landscape, and expert advice on how to continue growing in 2023. Enjoy this conversation? Leave a 5-star review in your favorite podcasting app. Mentioned in this episode: Relive Season 1 of Batting 1,000 If you missed some of the season—don't worry! We'll be sharing highlights from these conversations and others during our upcoming Season 1 Replay, where we'll listen to and dissect our favorite moments from all of Season 1, before we enjoy a brief off-season ahead of Season 2. Speaking of which, we need your help to build our line-up.

Joe Basile fills in for Skip. Leili Ghazi, Chief Lending Officer of Fresno Madera Farm Credit joins the show. We take a moment to talk about the Feeding Families Fund Drive, raising money for the Central Valley Food Bank.  During the Feeding Families Fund Drive, every dollar donated is going further with a 50% GAR Bennett donation match! So far, $267k has been donated. We touch base on Vladimir Putin. Putin and his allies have voiced a series of thinly veiled threats against Ukraine and the West, claiming they could use nuclear weapons to defend the illegally annexed territories.See omnystudio.com/listener for privacy information.

We have a very special guest for you today. He is an industry thought leader and tech innovator with a wealth of industry lending experience. Please help me welcome Dan Catinella, Chief Lending Officer at Total Expert.

Chase Larson is a friend of the podcast and is the Chief Lending Officer at St. Cloud Financial Credit Union in Minnesota.  In today's episode, Chase shares his expertise in crypto, how he is looking to use it at his credit union, how others have utilized it at their credit unions/banks, and what the future holds for this technology in your credit union's future.  To connect with Chase to find out more, email him at: chasel@scfcu.org   Chase Larson has almost 15 years of banking and finance experience. He has expertise in mortgage lending, business banking and SBA lending, and crypto utilization at credit unions.    

What a difference a year makes.A year ago the typical credit union was awash in deposits - much of it coming in via stimulus money - and accordingly there was a rush to get that money back out on the streets working. that meant loans.In mid 2022, the deposit glut is history for most credit unions.So what happening on the lending side?Meet Chad Heese, chief lending officer at $3.7 billion Rogue Credit Union in Oregon.  He spends his days pondering how to profitably put Rogue's cash on hand to work and in this podcast he shares a range of ideas, some quite unconventional.Heese also recounts how he got started on his career in financial services and he traces it back to a time when he called an HR person at a bank twice weekly for months before he even got an interview.But when he did get that interview he got the job and now he has almost 20 years of service at credit unions along with a few starter years at banks.  His is an intriguing job history and that's where we start the show.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comAnd like this podcast on whatever service you use to stream it. That matters.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Member loyalty isn't what it used to be.  Once upon a time, loyalty was the product of proximity, or due to a family or friend recommendation.  But loyalty has changed. It's gone from loyalty to a provider, to loyalty to an experience.  On this episode of Leaders in Lending, we sit down with Rick Jarrar. Rick is the Chief Lending Officer at Kemba Financial Credit Union, and our conversation was all about:  How to gain and retain member loyalty The evolution of the branch from transactional to advisory services The surge in BNPL payments and its impact The applications of cryptocurrency To hear more from Leaders in Lending, check us out on Apple Podcasts, Spotify, or on our website.  Listening on a desktop & can't see the links? Just search for Leaders in Lending on your favorite podcast player.

The past 2 years have been a wild whirlwind for everyone, especially for small business owners. 2021 ended with some very fascinating developments that have deep-reaching implications for us laundromat aficionados. Jordan is joined by Marc Stern, Chief Lending Officer and Executive VP at Eastern Funding, for this hugely important episode discussing where we're at in the beginning of 2022 and where we're heading this year. Jordan and Marc talk about some hefty topics that will directly impact your pocketbooks...and net worth...and the survival of your business. No joke!In this episode, Jordan and Marc discuss the present and future with respect to:InflationInterest rate fluctuationsEquipment pricingEquipment delivery timesCost of constructionWhere the opportunities lie during at this crossroadHow you can capitalize on the changes happeningPlus, Marc gives his best tips to those hoping to buy their first laundromat, those who have just bought their first laundromat, and those who have been around the business given the current circumstances.There's plenty more in this episode. It's definitely not one to miss!Show Noteshttps://laundromatresource.com/show82Show SponsorsAtmosphereTV- 50+ channels of positive, fun TV programming, allowing you to cut your cable bill and create a great atmosphere in your laundromat! Get the registration fee waived by using this link!https://atmosphere.tv/partner/laundromat-resourceLinksSign up for the webinar!Join the Pro membership today!ResourcesWhy You Should Buy New Equipment Now [VIDEO]Remarkable 2- Digital Notebook **Discount**Get ConnectedJoin Laundromat ResourceLaundromat Marketplace- Sell Your Laundromat [free listings]Diligence Capital InvestmentsLaundromat Investor ResourcesLaundromat Resource EventsLaundromat Resource ForumsLaundromat Resource BlogBe a guest on the podcastLaundromat Resource Coaching* Some links may be affiliate links in which the channel owner may receive compensation when you make a purchase using those links. Thank you for supporting the channel!