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Leaders in Lending

Leaders In Lending is a show for lending professionals who want to grow their consumer lending programs and improve their consumer experiences. Consumers continue to expect faster, easier online experiences from every company

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Unsecured Lending: How AI Can Broaden Your Product Portfolio

Many mid-sized banks are struggling to find new asset classes and new opportunities to offer retail banking services. Unsecured lending has become a viable way for them to broaden their product portfolio on the credit side. In this episode, Jim Matera, EVP/Chief Retail Banking Officer at Apple Bank, talks about how his firm got involved with unsecured lending and how technology is becoming the new driver of loyalty in banking. Jim has been with Apple Bank for over 30 years. Currently, he is in charge of all aspects of retail banking customer delivery systems and services. Apple Bank is the second-largest state-chartered savings bank in New York with over $16 billion in assets. The bank offers a full range of retail banking services to individuals and businesses across the five boroughs of New York City, Long Island, Westchester, and Rockland Counties. We discuss: - Pursuing unsecured lending through fintech partnerships - Opportunities for new lending products - Loyalty in a digital age - Leading with lending over depository products Want more lending advice? Find us on Apple Podcasts, Spotify, and here. Listening on a desktop & can’t see the links? Just search for Leaders in Lending in your favorite podcast player.

28mins

27 Jul 2021

Rank #1

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The Evolution of Credit Unions in a Digital World

Credit unions maintain a distinct advantage over larger banks. As a community-based institution, they are well positioned to truly understand the unique financial needs of their members. Now, with the proliferation of digital technologies, credit unions can continue to meet the evolving needs of their members — even if they’ve moved across the country. In this episode, Barry Roach, President & CEO at WPCCU, talks about how credit unions are pivoting to meet the challenges and opportunities of a digital world. Topics covered: - What makes credit unions unique - Gaps driving new kinds of lending - The value of loyalty and how to maintain it - The importance of data in decision making Want more lending advice? Find us on Apple Podcasts, Spotify, and here. Listening on a desktop & can’t see the links? Just search for Leaders in Lending in your favorite podcast player. 

41mins

20 Jul 2021

Rank #2

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Unlocking the New Lending Experience: The Innovations of Hybridized Banking

Emerging leaders of the consumer lending industry all have a few things in common. On this week’s episode, Upstart’s Senior VP of Business Development, Jeff Keltner talks about what he’s learned from nearly a decade of working in the consumer lending arena, where the industry is advancing, and his forecasts of who will rise to the top of the market. What he talked about: - Differences between the ] phases of fintech innovation - Latest advancements in innovation and digital transformation - Hybridization of fintech and traditional banking OPTIONAL: Check out these resources we mentioned during the podcast: - https://www.linkedin.com/in/jeffkeltner/ Want more lending advice? Find us on Apple Podcasts, Spotify, and here.Listening on a desktop & can’t see the links? Just search for [Leaders in Lending] in your favorite podcast player.

27mins

13 Jul 2021

Rank #3

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Accelerating Auto Lending Through AI w/ Val Gui at Upstart

Consumers are more comfortable buying online, even big ticket items like cars. A significant impediment to ecommerce in the auto industry is securing the loan and creating a frictionless digital experience. In this episode, we interview Val Gui, Vice President of Automotive Lending at Upstart, about trends in the automotive lending space and get some insight on how he forecasts the future of the industry. What we talked about: - Increased awareness about automotive lending to financial institutions - Consumer expectations for digital experiences - Reshaping the ecommerce mentality in the auto lending space - Trends for the next 3-5 years in auto lending Want more lending advice? Find us on Apple Podcasts, Spotify, and here. Listening on a desktop & can’t see the links? Just search for Leaders in Lending in your favorite podcast player. 

36mins

6 Jul 2021

Rank #4

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Economic Recovery & Regulatory Changes in Lending w/ Rob Nichols at ABA

Banks are the economic first responders during our current economic challenges. How do regulations support banks in their work to support Americans? On this episode of Leaders in Lending, we had a fantastic conversation with Rob Nichols, President and CEO at American Bankers Association (ABA) about regulations, economic recovery, and the optimistic future of banking. What we talked about: - Potential policy and regulation changes - The economic landscape in the near future - ABA and their relationship with Fintechs - Future trends in banking and lending Want more lending advice? Find us on Apple Podcasts, Spotify, and here. Listening on a desktop & can’t see the links? Just search for Leaders in Lending in your favorite podcast player.

37mins

29 Jun 2021

Rank #5

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Rapid Changes in the Lending Landscape w/ Nat Hoopes

The lending landscape is always evolving. Recent changes in government administration, combined with the shifting dynamic of economics in response to the COVID-19 pandemic have accelerated this evolution. Nat Hoopes, Vice President of Government Relations and Regulatory Affairs at Upstart shares his financial lending insight from DC, the changes underway, and the way banking is evolving to keep up with a rapid digital transformation. Tune in to hear about: - A sharp focus on the administration and regulatory changes in DC - Expanding access to credit and lending inclusivity - The ways COVID has accelerated the digital transformation roadmap for financial institutions - How banks and credit unions can evaluate their economic mobility in the communities they operate in - A policy expert’s career advice and perspective and predictions for the future of banking OPTIONAL: Check out these resources we mentioned during the podcast: - Nat Hoopes - Upstart Want more lending advice? Find us on Apple Podcasts, Spotify, and here.Listening on a desktop & can’t see the links? Just search for [Leaders in Lending] in your favorite podcast player.

21mins

22 Jun 2021

Rank #6

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Lending During a Global Pandemic: Customers Bank’s Road to Success w/ Sam Sidhu

Customers Bank, with a revolutionary crossover between FinTech and traditional banking, is truly disrupting and innovating past the financial industry as we know it. One year later, we look back and ask, how did AI-enabled underwriting models perform in a time of uncertainty? Sam Sidhu, Vice Chairman and Chief Operating Officer of Customers Bank joins us this week to discuss the bank’s enormous success, how they got there, and where they’re headed next. What we talked about: - Lending practices and consumer loan performance during the pandemic - How AI credit decisioning models helped drive strategic growth - Managing risk appropriately during the pandemic - Leading with bravery during a period of societal and economic stress Check out these resources we mentioned during the podcast: - https://www.linkedin.com/in/ssidhu/ - https://www.customersbank.com/ 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 in your favorite podcast player.

54mins

16 Jun 2021

Rank #7

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How to Serve Customers with Strategic Diversity w/ Nate Longfellow

Changing company culture and implementing technology to better align with emerging digital preferences can be challenging but essential to staying ahead of the curve. Nate Longfellow, Head of Digital, Product Strategy and Change Delivery - Home Lending at Wells Fargo, works with business partners and customers to provide them with the right capabilities to succeed. This involves implementing technology, new ways of conducting business, and strategic initiatives working in tandem to produce the best outcome. Nate shares the challenges, strategies, and advice of his experience in four key aspects: - Implementing change within a company using top-down goals - Adjusting company behavior to be more accepting of failure - When to partner, buy, or build internally - Advice and predictions: empowering customers to self-direct To hear more interviews like this one, subscribe to Leaders In Lending on Apple Podcasts, Spotify, or your preferred podcast platform. Listening on a desktop & can’t see the links? Just search for Leaders In Lending n your favorite podcast player.Connect with Nate at https://www.linkedin.com/in/natelongfellow/.

43mins

8 Jun 2021

Rank #8

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Digital Innovation: Adapting and Partnering in a Brick & Mortar Industry w/ Gary Fan

For a lot of smaller community banks and credit unions, the COVID-19 pandemic has created unique challenges as the world makes a hard left turn into a more digital focused landscape in every area, including banking. Gary Fan, Executive Vice President and Chief Banking Officer at Gateway Community Bank, joins us to talk about the shift to digital and what it means for smaller financial institutions. Key topics covered: - Shifting to a more digitally enabled world - Balancing traditional offerings with new and innovative products - Why the COVID-19 pandemic forced Gateway to take a look at their digital offerings - The need to adapt and be open to new possibilities, especially for small community banks - Making sure that small financial institutions stick around long term 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.

31mins

1 Jun 2021

Rank #9

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Not Embracing Change is the Ultimate Risk for Banks w/ Matt Gallman

Because of historically low interest rates, insane levels of liquidity within the banking system, and changing consumer needs, some banks need to find alternative ways to generate revenue. That means embracing change and bringing on new partners. In this episode, we talk with Matt Gallman, VP, Enterprise Risk Officer at Drummond Community Bank, about why the riskiest strategy a bank can take is not changing at all. Key Topics Covered: - Entering the consumer lending space during the pandemic - Advice for banks looking to partner with Fintechs - Getting comfortable with originating unsecured personal loans - Finding best-in-breed solutions through multiple partners Mentioned during the podcast: - The Calf-Path by Sam Foss 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.

31mins

25 May 2021

Rank #10