Create a positive borrowing experience for your members

first_img 49SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Harmonie Taddeo Harmonie Taddeo is the Vice President of Marketing & Communications for Northwest Federal, a 3.2 billion federal credit union located in Herndon, VA.  In her capacity as Vice President … Web: nafcu.org Details Credit unions occupy a space crowded with banks, finance companies, loan brokers, payday outfits and now, fintechs. While we generally have better loan rates and terms, that’s not always what keeps the credit union top of mind when someone needs financing. Often convenience and ease of application process matter more to our borrowers. Is the loan process easy to navigate? Does it move at a good pace? Is it convenient? Can a member apply on a mobile device?What are we doing to deliver a positive borrowing experience?Given all the competition, from traditional financial institutions to non-traditional online options, why should members choose your credit union for their next loan? Here are three ways to begin:Make it convenient. How easy is it to apply for a loan at your credit union? Can members apply 24/7 from their mobile devices? Do they always have to visit brick-and-mortar, or can they conduct the entire process online?Make it fast. How quickly can a member obtain the funds he or she needs? Home buyers, for example, need their funds within a finite period of time. Is your mortgage closing process seamless and efficient?Make it easy. What is required from application to funding? Are you using automation to pull in information, or is your member forced to give you the same history for each transaction – as if they are using your credit union for the first time, every time?There are many opportunities for credit unions to improve the application and borrowing experience, and opening a dialog with vendor partners and industry experts can provide valuable insight on how to do that.I’ll be engaging with some of these experts during a panel discussion at NAFCU’s Lending Conference, which takes place Nov. 6-9 in San Antonio. Over four days, this conference will explore recent regulatory and strategic developments in mortgage lending, credit card and auto lending, the economy, what millennials want, how to meet the challenges of fintech and much more.It’ll be a great week filled with content and insight on how credit unions – and credit union members – can excel in today’s diverse lending space. I’m excited about this new conference, and hope I get to see you there.last_img read more

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Five Nigeria Players Who Could Move During the Winter Transfer Window

first_img With the January transfer window less than 72 hours away from now, some Nigerian players are expected to join in the transfer train. AOIFootball.com looks at five Nigeria players who could change clubs in the coming days. Oghenekharo Etebo: He is one Nigerian who will definitely be on the move this January. The Super Eagles’ midfielder is expected to join Portuguese giants FC Porto from CD Feirense in the coming days.The Rio 2016 Olympic bronze medallist has been Feirense’s best player by a distance this season, scoring four times and his impressive display has been sported by the league leaders who are keen to add the Nigerian to boost their chances of winning the league. Ahmed Musa: If there is any Nigerian currently waiting for the start of the transfer window, it has to be Super Eagles’ winger, Ahmed Musa who has been frozen out by Leicester this season.The former CSKA Moscow man is expected to finalise a contract agreement with Stoke City in the next few days, as he looks to reignite his career and boost his chances of playing in the World Cup next year.  Shehu Abdullahi: The Super Eagles’ right-back is attracting offers the likes of Birmingham City, Trabzonspor and Freiburg who are looking to add the defender to their squad in January.Abdullahi, who currently has six months left on his contract with Anorthosis Famagusta, could be sold in January by the club, so as not to lose one of their most priced assets for free in the summer. Kelechi Iheanacho: The January window could be a now or never opportunity for the Super Eagles’ star to quit former Premier League champions, Leicester City, having failed to break into the first team.Iheanacho, who arrived during last summer transfer window for a club record fee of around 25 million pounds from Manchester City, has failed to adapt with the Foxes’ style of play, playing second fiddle to Shinji Okazaki. The Nigerian has not featured for Leicester in any of their last eight EPL outings and should now be looking for a way out in January to boost his chances of making the Super Eagles’ World Cup squad. Imoh Ezekiel: After been told his services are no longer needed by Turkish club, Konyaspor, the former U-23 striker is one man on the hunt for a new club during the transfer window.Ezekiel left Konyaspor due to a breach of contract and is thought to be keen on a return to former club Standard Liege in Belgium, with some clubs in the Middle East also showing interest in the Nigerian.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more

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Lakers analysis: Expectations high for Brandon Ingram

first_imgEL SEGUNDO >> On the official tour of his new basketball home, Brandon Ingram walked onto the court of the Lakers practice facility and upstairs to Jeanie Buss’s office to gaze at the franchise’s championship trophies; into the weight room to eye the iron he will use to pack muscle onto his wiry frame; and to the locker room, where the tour stopped in front of the locker where his No. 14 jersey will hang. “(General Manager) Mitch (Kupchak) told me I had some big shoes to fill,” Ingram said.The previous occupant of that space wore size 14 Nikes. He also won five NBA titles, was selected to 18 All-Star Games and spent 20 years with the Lakers.The symbolism said it all. The No. 2 pick in last month’s draft showed up to his introductory news conference dressed confidently in a narrow-cut blue suit, with a dark purple flower in his buttonhole. For the last year or more, he’s been compared nonstop to Kevin Durant, who was once a sinewy rookie himself. Now, with his arrival in L.A., he faces the inevitable measure of Bryant’s towering accomplishments. “Kobe is Kobe,” said Ingram’s father, Donald. “Michael Jordan is Michael Jordan. You’re going to see your own Brandon Ingram. He’s going to pave his own way, he’s his own person.”It’s a sizable load for such a young player to shoulder before he has so much as played in a summer league game. “He can have that pressure,” joked Ivica Zubac, the hulking but pleasant Croatian center the Lakers drafted with their second-round pick.While the Lakers two rookies addressed their audience, D’Angelo Russell lingered in the back of the gym. He will take the floor with Ingram this week when the Lakers hit Las Vegas for the NBA Summer League, but ducked out before he could be asked about his new teammate. One could only wonder what kind of lessons Russell, who was voted second-team All-Rookie last year, might impart to Ingram about transitioning to the NBA.“We’ve been talking,” Ingram said. “But I don’t think we’ve gotten that deep.” Twelve months earlier, Russell sat behind the same table and offered many of the same thoughts Ingram did Tuesday. He quickly learned it’s tougher than he bargained for a teenager to make an immediate impact in the NBA, bouncing in and out of favor with Coach Byron Scott, as well as the starting lineup. The team’s dynamic has changed dramatically, of course. Ingram will be welcomed by a new coach, Luke Walton, and while he will play in Bryant’s shadow, he won’t have to navigate the orbit of the genuine article, who in his final year never practiced and fired shots at will.That was the farewell tour. This is the welcome party. The Lakers are sitting on the ground floor of a rebuild. Having failed to land any of the big-name free agents available this month – and barring a trade for Oklahoma City’s Russell Westbrook – they are more than likely facing another development year. The veterans the organization did snare in free agency, Luol Deng and Timofey Mozgov, make them better than last year, but the Lakers’ long-term gambit of returning to prominence – championships – rests on the team’s young core and, notably, Ingram. There is a big difference, however, between embracing the pressure, and living up to it. Kobe Bryant is out, Ingram is in. Being named heir to the Black Mamba is a task no young player deserves. While the Lakers no doubt would like to shield Ingram from facing unreasonable expectations in the infancy of his career, there’s no question that the type of player they hoped to find at the top of the draft would take up Bryant’s mantle.Byron Scott was rightly criticized last year for comparing D’Angelo Russell to Magic Johnson on draft night, but the Lakers putting Ingram in Bryant’s old seat sends a similar message.Either Ingram did not read Henry IV, or he’s just too cool to care that the head that wears the crown is supposed to lie uneasily. “It’s all good pressure for me,” Ingram said Tuesday. “I just take it as motivation for me to do the right thing on the court and off the court.” center_img Newsroom GuidelinesNews TipsContact UsReport an Errorlast_img read more

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