The Rochdale Group has been assisting credit unions in designing and implementing risk- based lending/pricing programs for more than ten years. Our seasoned professionals will work with you to implement a risk-based lending/pricing program that will address your strategic needs, while ensuring compliance with regulatory requirements. Our services include the completion of comprehensive due diligence documentation and staff training, as well as assistance with software, loan application and marketing documentation.
Federal and state regulators strongly recommend that credit unions conduct periodic revalidations of their risk-based lending/pricing programs. The Rochdale Group offers comprehensive revalidations that address all aspects of a risk-based lending/pricing program, including program design, underwriting criteria, pricing, collections, marketing and compliance. Our team of expert consultants will perform an onsite review and provide a written report identifying any weaknesses in the program. We also provide specific recommendations to ensure that your credit union is offering a lending program that is competitive, compliant, efficient and profitable.
Perhaps your concerns go beyond the scope of a risk-based lending/pricing revalidation. You may be concerned about staffing and delivery issues, as well as with underwriting criteria and pricing. The Rochdale Group can perform a complete assessment of your lending operation or of specific segments of your loan portfolio, such as your indirect loan or mortgage portfolio. Our compliance experts will come onsite to your credit union to observe your lending operation, interview staff and evaluate loan policies and procedures. Our services include a comprehensive written report detailing our assessment and providing specific recommendations for improvements and enhancements to your current process.
