The Competitive Edge eNews from Omega Performance

The Competitive Edge for Banks

Credit

Add the Human Touch back to your Lending Process

As global economies suffer and loan delinquencies and losses rise, lenders who know their customers best are most likely to be able to collect. It pays to spend time up front in the decisioning process by mixing judgmental lending with automated decisioning.

Lenders who employ a mix of scoring and judgmental decisioning are coming out ahead. They:

Make better loan decisions,
Price for the risks, and
Have an easier time collecting from the customers

Banks that blend automated and judgmental decision making are also doing better on the collections side.

Why?

First, because they used judgmental decisioning to price appropriately for the risk. Second, because they understand their customers, and have kept in personal touch with the borrowers as the risk of default increased. They have worked directly with those customers to collaborate on solutions to their payment problems.

Add the human touch back to your consumer lending process - all 700 FICO scores are not created equal. Scores are based on a large number of variables and can be affected by the age of the consumer, the types of credit in their file, even the state they live in.

Depending on scoring systems and debt ratios alone means, in the end, knowing less about your customer than you should.

By using a sound judgmental lending strategy to enhance your automated process, you can create a relationship with your customer that can weather even hard economic times.

Learn more about improving credit performance ...

Sales & Service

Match Customer Needs to Products and Benefits

Customers are looking for five basic benefits when they purchase financial products and services from your bank:

Make money
Save money
Provide peace of mind
Provide convenience
Save time

Your job is to find out which benefits customers most want and need and which of your bank's products and services will give them those benefits.

Common financial needs can be captured in these five general categories. If you can remember to use these words and phrases prominently when you make a recommendation, you will pique the interest of your customers and be well on your way to building customer connections that yield positive results.

Learn more about improving sales and service performance ...

Leadership

Manage Successful Organizational Change

Managing organizational change is a tough and serious challenge - even for the most experienced leaders. Well-managed change initiatives have common elements that help to increase a change leader's odds of success.

Here are a few of them:

Model the behavior you want by leading by example
Demonstrate flexibility by showing a willingness to listen, understand where people are relative to the change, and adapt your plan accordingly
Seek the input of others by including those whom the change will affect
Communicate early, consistently, and often - you cannot overcommunicate when it comes to leading people through change
Use coaching to create a system that supports real communication about the change
Recognize and celebrate progress along the way to reinforce the change

Learn more about improving leadership performance ...

U.S. Public Seminars

Minimizing Problem Loans
A two-day, highly interactive seminar where you will learn how to effectively monitor, evaluate, and take appropriate action on potentially problematic commercial loans.

December 3-4, 2008
Orlando, Florida

More information and to register

New Articles

"When You Are Up to your Waist in Alligators it is Hard to Remember You Started Out to Drain the Swamp" or, "Remember When Real Estate Loans Made Us Lots of Money?"

It is no secret that the commercial real estate market is following the same negative trends we have seen in the residential real estate markets over the past year. It is also no secret that many financial institutions have long held to the premise that: "If you lend on dirt, you can't get hurt." We are now seeing that this long-held premise has all of the validity of an old wives tale. Download the complete article, authored by Dr. Jerry Crigger, Omega Performance's vice president and senior consultant: credit and risk.

Download Now

Knowledge Currency

Published in Mortgage & Finance Brief (Aug./Sept. 2008 issue)

Online learning offers many advantages for time-poor brokers and programs can be individually customized to suit specific education needs. Get your complimentary copy of this article, authored by Howard Cook, Omega Performance's new business and alliances manager, Australia, now.

Download Now

Quick Links ...

The Competitive Edge for Community Banks

Performance Improvement Tip

5 Ways to Retain Customers for the Long Term

Attracting and retaining customers is essential to the success of your community bank.

In general, long-term customers are more satisfied, more likely to refer new customers to your bank, and more likely to purchase additional products and services themselves.

Here are 5 ways to retain your bank's customers for the long term:

Focus most of your time on serving current customers. They are already doing business with you and are likely to buy from your bank again.
Show dependability, credibility, and trustworthiness. Treat your customers with honesty, humor, and respect -- and maintain this over time.
Always do what you say you will do. If you promise to send information or get an answer to a question, do it; you will gain loyalty and trust by following through on your promises.
Make memorable customer connections. Ask about their lives, financial goals, and desired outcomes; the greater the level of connection, the greater the level of customer satisfaction.
Be there for the long term. Let customers know you will be there long after the transaction at hand; this can help to differentiate your bank from your competitors.

Learn more about improving community bank performance ...

U.S. Public Seminar

Minimizing Problem Loans
A two-day, highly interactive seminar where you and your colleagues will gain the skills and knowledge needed to stop problem loans before they start.

December 3-4, 2008
Orlando, Florida
More Information and to Register

Web Event Replays

International Financial Reporting Standards
Learn why IFRS is a game changer for commercial lending in the U.S.
Originally Held August 28, 2008
View Now

What Kind of Executive Coach Are You?
Learn how using coach-the-coach techniques can help you drive business results.
Originally Held September 9, 2008
View Now

Sustaining Learning Beyond the Training Event
Ensure new behaviors gained in training yield greater business results for your organization.
Originally Held September 17, 2008
View Now

Quik Links

The Competitive Edge for Banks

Credit

Loan Documentation - The Basics (Part 2)

In last week's issue, we explored why, during economic downturns, good loan documentation becomes even more critical in protecting your bank's interests.

This week, we look at the three contact basics all good loan documentation should include: offer, acceptance, and consideration.

Whether contracts are simple or complex, the basics of all contracts are the same. An offer outlines the terms of the agreement, which are presented for acceptance by the other party.

As a general rule, the acceptance must mirror the offer; otherwise it is a counteroffer and kills the original offer. Consideration represents a mutual exchange of benefit or legal detriment.

Learn more about improving credit performance ...

Sales & Service

Take Advantage of Opportunity Triggers (Part 3)

An opportunity trigger is a cue you notice that might indicate an unmet customer need. There are three types of opportunity triggers:

Verbal triggers (previously discussed in The Competitive Edge for Banks)
Initial request triggers (previously discussed in The Competitive Edge for Banks)
Customer account triggers

A customer account trigger comes about when you are assessing a customer's account and notice information that might indicate a customer need.

A customer account trigger is not a specifically stated need; it is an inferred need that you need to investigate before making a referral.

A few examples of customer account triggers are:

Customer has unusual balances for the types of products he or she uses
Customer has checks from a brokerage firm going into the account
Customer makes change to one account but not others, even though the change should be applied to all

Referring a customer to a team member to meet a need is an important part of creating customer connections. Being aware of potential opportunities, or opportunity triggers, is the first step in the referral process.

Learn more about improving sales and service performance ...

Leadership

Use Coaching to Manage through Change

One of today's key business challenges is keeping people focused, motivated, and productive during periods of organizational change.

When change becomes reality, it is critical to have the skills and tools necessary to coach your staff on how to handle it effectively, and transition more swiftly toward the specific organizational change.

Emotions run high during periods of transition, and one-on-one coaching is essential to managing them in a healthy and productive way.

Listening, empathizing, and the giving of your time in regular coaching sessions can help build teamwork and foster a sense of support and trust during uncertain times.

Learn more about improving leadership performance ...

U.S. Public Seminars

Minimizing Problem Loans
A two-day, highly interactive seminar where you will learn how to effectively monitor, evaluate, and take appropriate action on potentially problematic commercial loans.

December 3-4, 2008
Orlando, Florida

More information and to register

New Articles

"When You Are Up to your Waist in Alligators it is Hard to Remember You Started Out to Drain the Swamp" or, "Remember When Real Estate Loans Made Us Lots of Money?"

It is no secret that the commercial real estate market is following the same negative trends we have seen in the residential real estate markets over the past year. It is also no secret that many financial institutions have long held to the premise that: "If you lend on dirt, you can't get hurt." We are now seeing that this long-held premise has all of the validity of an old wives tale. Download the complete article, authored by Dr. Jerry Crigger, Omega Performance's vice president and senior consultant: credit and risk.

Download Now

Knowledge Currency

Published in Mortgage & Finance Brief (Aug./Sept. 2008 issue)

Online learning offers many advantages for time-poor brokers and programs can be individually customized to suit specific education needs. Get your complimentary copy of this article, authored by Howard Cook, Omega Performance's new business and alliances manager, Australia, now.

Download Now

Quick Links ...

The Competitive Edge for Credit Unions

Performance Improvement Tip

4 Best Practices of Scorecard Coaching

Scorecard coaching (coaching staff to achieve outstanding and predictable results) is one of the primary responsibilities of managers at all levels in a customer-centric arena like sales and service.

To have the greatest impact in scorecard coaching conversations, managers must master four specific coaching best practices:

Utilizing high-impact questioning strategies
Soliciting and providing targeted and balanced feedback
Addressing resistance to coaching
Building strategic action plans

Managers who conduct highly efficient scorecard coaching sessions with their direct reports derive the greatest value from your credit union's top performers, convert average performers to top performers, and create prompt and sustainable increases in sales growth, member loyalty, and profitability.

Learn more about improving your credit union's performance ...

Need some tools for Accelerating Lending Performance? Access our newest online resource!

Visit www.Omega-Accelerate.com now where you can enter the Race to Accelerate Lending Performance -- a four-lap race where you can access complimentary tools to improve credit quality and prepare for a profitable future.

Complete all four laps by September 19, 2008 and we'll enter you in a drawing to win a free laptop (no purchase required)!

Public Seminar

Minimizing Problem Loans
A two-day, highly interactive seminar where you will learn how to effectively monitor, evaluate, and take appropriate action on potentially problematic commercial loans.

December 3-4, 2008
Orlando, Florida
More Information and to Register

Webcast Replay

What Kind of Executive Coach Are You?
Learn coach-the-coach techniques you can use to drive business results.
Held September 9, 2008
View Replay

QuickLinks

The Competitive Edge for Banks

Credit

Loan Documentation - The Basics (Part 1)

Proper loan documentation supports your bank's legal rights to be repaid. Good documentation will not, however, repay a bad loan.

Only cash repays loans.

When combined with good underwriting, good documentation reinforces your bank's intent and ability to collect a loan. On the other hand, incorrect or incomplete documentation can render even the best of loans uncollectable.

One estimate shows that up to one third of loan losses may be attributable to documentation problems. During economic downturns, good loan documentation becomes even more critical in protecting your interests.
Next week, we'll look at the three contact basics all good loan documentation should include.

Learn more about improving credit performance ...

Sales & Service

Take Advantage of Opportunity Triggers (Part 2)

An opportunity trigger is a cue you notice that might indicate an unmet customer need. There are three types of opportunity triggers:

Verbal triggers (discussed in last week's issue of The Competitive Edge for Banks)
Initial request triggers
Customer account triggers

An initial request trigger is noticed when the reason the customer is in the bank might suggest a related need.

If you can identify the common types of initial requests, you can be better prepared to meet other related needs through referrals of products and services as appropriate for each customer.

For instance, what cues can you pick up if the customer wants to make a payment toward higher credit card balances?

The need to save money by reducing interest rates, possibly through a lower rate loan
The need to consolidate debt in order to have one lower payment and save money

Try to always tie the opportunity trigger to the customer's fundamental need rather than to a specific solution. The customer is more likely to see your genuine interest in his or her well-being and be open to further discussions.

Next week, we'll look at customer account triggers and how they can help you create customer connections.

Learn more about improving sales and service performance ...

Leadership

Strategies for Leading High-Impact Team Meetings

A critical factor in getting people motivated about team meetings is how credible you are as a meeting leader. Increase your meeting credibility by following these simple rules:

Always begin on time

Don't try to do too much, stick to one or two important agenda items

Encourage everyone to contribute and manage counter-productive behaviors

If you don't know the answer to a question, promise one later and deliver it

Learn more about improving leadership performance ...

Need some tools for Accelerating Lending Performance? Access our newest online resource!

Visit www.Omega-Accelerate.com now where you can enter the Race to Accelerate Lending Performance -- a four-lap race where you can access complimentar

tools to improve credit quality and prepare for a profitable future.

Complete all four laps by September 19, 2008 and we'll enter you in a drawing to win a free laptop (no purchase required)!

U.S. Public Seminars

Minimizing Problem Loans
A two-day, highly interactive seminar where you will learn how to effectively monitor, evaluate, and take appropriate action on potentially problematic commercial loans.

December 3-4, 2008
Orlando, Florida

More information and to register

Web Events You Won't Want to Miss!

Sustaining Learning Beyond the Training Event
Ensure new behaviors gained in training yield greater business results for your organization.

September 17, 2008
12:00 PM - 1:00 PM Eastern Time (U.S. & Canada)
More information and to register

New Articles

"When You Are Up to your Waist in Alligators it is Hard to Remember You Started Out to Drain the Swamp" or, "Remember When Real Estate Loans Made Us Lots of Money?"

It is no secret that the commercial real estate market is following the same negative trends we have seen in the residential real estate markets over the past year. It is also no secret that many financial institutions have long held to the premise that: "If you lend on dirt, you can't get hurt." We are now seeing that this long-held premise has all of the validity of an old wives tale. Download the complete article, authored by Dr. Jerry Crigger, Omega Performance's vice president and senior consultant: credit and risk.

Download Now

Knowledge Currency

Published in Mortgage & Finance Brief (Aug./Sept. 2008 issue)

Online learning offers many advantages for time-poor brokers and programs can be individually customized to suit specific education needs. Get your complimentary copy of this article, authored by Howard Cook, Omega Performance's new business and alliances manager, Australia, now.

Download Now

Quick Links ...

The Competitive Edge for Contact Centers

Today's Tip

Boost Retention In Your Center -- 5 Easy Ways

Oftentimes, reducing employee turnover and boosting retention in the contact center comes down to making agents feel acknowledged and accomplished at the end of the day.

Here are five simple tips for making your agents feel proud and satisfied with their work:

Hire the right people: involve HR in discussing the key competencies that each new agent must bring with them to their job.
Develop a career path: agents can easily feel commoditized so career pathing with performance benchmarks and goals is a critical step in elevating the role of the agent.
Empower agents: hire people who can make basic decisions and then give them the freedom and ability to do so.
Provide leadership training for contact center managers: managers are often the biggest influences on job satisfaction and agent retention; they need to fully understand how a culture of communication, coaching, and, employee development positively impacts the bottom line.
Celebrate successes: regularly celebrate individual agent and team successes to boost morale and increase productivity.

Learn more about improving contact center performance ...

Complimentary Webcast You Won't Want to Miss!

Sustaining Learning Beyond the Training Event
Ensure new behaviors gained in training yield greater business results for your contact center.

September 17, 2008
12:00 PM - 1:00 PM Eastern Time (U.S. & Canada)
More information and to register

Come See Omega

ICCM Canada Conference & Expo

When: October 8, 2008
Where: Toronto, Canada
Topic: Building Corporate Capability and Cutting Training Time through Product Knowledge Reference Tool
Speakers: Caroline Gray, Omega Performance Senior Vice President, Information Technology and Technology-Based Learning and Jeff Lachenauer, EQUI-VEST Training Manager for AXA Equitable

More information and to register

Quick Links

Our Website | Events | Omega News | About Us | Complimentary Resources

The Competitive Edge for Banks

Credit

Negotiation Basics

When you decide it's time to discuss issues with a borrower for whom things don't appear to be going well, it's important to remember some negotiation basics.

Parties of a negotiation often overestimate the strengths of the other party and underestimate their own strengths.

Keep in mind what you want: You probably want to keep this customer, but you also want to protect your investment (and to avoid lawsuit liability while you are doing it).

What does the borrower want -- besides more money? The lender often has leverage with the borrower that is easy to overlook.

For example, the borrower may need a covenant waiver, otherwise the company's accountants may have to note a default.

Be creative both in looking for ways to bring the borrower to the table, when necessary, and in crafting solutions that meet both parties' needs.

Learn more about improving credit performance ...

Sales & Service

Take Advantage of Opportunity Triggers (Part 1 of 3)

An opportunity trigger is a cue you notice that might indicate an unmet customer need. There are three types of opportunity triggers:

Verbal triggers
Initial request triggers
Customer account triggers

A verbal trigger is something the customer says or something you overhear that might indicate a customer need.

Sometimes a verbal trigger may be something mentioned in a normal conversation and may not constitute a specific request.

For example, a customer might mention that her son will be going to college soon. You should determine if there might be an opportunity inherent in what was said.

Sometimes the verbal trigger could be a major event occurring in the customer's life. Some major life events that customers reveal are:

Marriage
Divorce
Purchase or sale of a new home
Job change
New to the area
Retirement
Children
Inheritance

Although the comment wasn't intended as a request, it might imply a need that triggers an opportunity for a referral.

Verbal triggers occur during many transactions every day. With some verbal triggers, as when life events occur for customers, the financial situation changes.

With other verbal triggers, the financial situation may not change, but you have an opportunity to provide something above and beyond what the customer initially needed through a referral.

Next week, we'll look at initial request triggers and how they can help you create customer connections.

Learn more about improving sales and service performance ...

Leadership

5 Tips for Communicating Through Change

Communication is the single most important activity to engage in when leading people through some type of organizational change.

Whenever you communicate to staff about change, you should convey:

That you are personally committed to the change
That you recognize that the change could negatively impact some people
That you are available for one-on-one, open discussions about the feelings of employees regarding the change
That you are confident your team can navigate through the change
That you want and need employees' input to make the change successful

Learn more about improving leadership performance ...

Need some tools for Accelerating Lending Performance? Access our newest online resource!

Visit www.Omega-Accelerate.com now where you can enter the Race to Accelerate Lending Performance -- a four-lap race where you can access complimentary tools to improve credit quality and prepare for a profitable future.

Complete all four laps by September 19, 2008 and we'll enter you in a drawing to win a free laptop (no purchase required)!

U.S. Public Seminars

Understanding Corporate Finance
A one-day, highly interactive seminar where you will learn how to effectively assess risk and build profitable client relationships -- the key to long-term success in today's sophisticated commercial banking environment.

November 6, 2008
Chicago, Illinois

November 13, 2008
Cleveland, Ohio

More information and to register

Minimizing Problem Loans
A two-day, highly interactive seminar where you will learn how to effectively monitor, evaluate, and take appropriate action on potentially problematic commercial loans.

December 3-4, 2008
Orlando, Florida

More information and to register

Web Events You Won't Want to Miss!

Sustaining Learning Beyond the Training Event
Ensure new behaviors gained in training yield greater business results for your organization.

September 17, 2008
12:00 PM - 1:00 PM Eastern Time (U.S. & Canada)
More information and to register

New Articles

"When You Are Up to your Waist in Alligators it is Hard to Remember You Started Out to Drain the Swamp" or, "Remember When Real Estate Loans Made Us Lots of Money?"

It is no secret that the commercial real estate market is following the same negative trends we have seen in the residential real estate markets over the past year. It is also no secret that many financial institutions have long held to the premise that: "If you lend on dirt, you can't get hurt." We are now seeing that this long-held premise has all of the validity of an old wives tale. Download the complete article, authored by Dr. Jerry Crigger, Omega Performance's vice president and senior consultant: credit and risk.

Download Now

Knowledge Currency

Published in Mortgage & Finance Brief (Aug./Sept. 2008 issue)

Online learning offers many advantages for time-poor brokers and programs can be individually customized to suit specific education needs. Get your complimentary copy of this article, authored by Howard Cook, Omega Performance's new business and alliances manager, Australia, now.

Download Now

Quick Links ...

The Competitive Edge for Credit Unions

Performance Improvement Tip

5 Ways to Boost Member Retention

Attracting and retaining members is essential to your credit union's long-term success. Loyal members tend to be more satisfied, refer new members to you, and buy additional products and services.

Here are 5 ways to build member connections and retain them longer:

Better serve your current members. They are already doing business with you and are likely to seek out additional products and services.
Be consistent. Treat members with honesty and respect in each and every interaction.
Follow through. You will gain loyalty and trust by doing what you say you will do.
Connect. Learn about your members' needs by asking questions that lead to a better understanding of their financial goals.
Be a lifelong resource. Let members know you'll be available to them to assist with future financial needs.

Learn more about improving your credit union's performance ...

Need some more Ideas You Can Bank On? Visit Omega's Blog!

A new post by Omega's Mark Faircloth was posted this week. See what Mark has to say (and send him your comments) by visiting our blog, Ideas You Can Bank On, now!

Public Seminar

Understanding Corporate Finance
A one-day, highly interactive seminar where you will learn how to effectively assess risk and build profitable client relationships -- the key to long-term success in today's sophisticated commercial banking environment.

November 6, 2008
Chicago, Illinois

November 13, 2008
Cleveland, Ohio

More Information and to Register

Complimentary Web Events You Won't Want to Miss

What Kind of Executive Coach Are You?
Learn coach-the-coach techniques you can use to drive business results.

September 9, 2008
10:00 AM - 11:00 AM EDT (U.S. & Canada) 3:00 PM - 4:00 PM BST (U.K.)
More Information and to Register

Sustaining Learning Beyond the Training Event
Ensure new behaviors gained in training yield greater business results for your credit union.

September 17, 2008
12:00 PM - 1:00 PM EDT (U.S. & Canada)
More Information and to Register

QuickLinks

The Competitive Edge for Banks

Credit

Reach Top Lending Performance

In today's fast-paced, ever-changing financial services environment, it is especially important to understand the strengths and weaknesses of your bank's lenders. Objective confirmation of a lender's ability to perform at the highest levels is crucial to ensure that lending training remains targeted and cost effective.

A credit skills assessment can help provide that confirmation by testing lenders on the skills and information they need to analyze and make sound loans. The assessment helps you:

Confirm lenders are proficient in critical accounting and analytical disciplines.
Manage risk by achieving a high standard of lending competency.
Conduct secure, self-guided assessment anytime, anyplace.
Immediately pinpoint areas for personal skill development.
Highlight key development areas for new hires or internal transfers to the credit function.

Learn more about improving credit performance ...

Sales & Service

5 Ways to Increase Your Selling Power

Successful selling is all about helping customers select the best possible product or service for their financial needs. Follow these five tips to increase your selling power and build stronger customer connections:

Listen more, talk less: you'll get much farther with a customer or prospect when you listen to their needs rather than making assumptions about them.
Ask more and better questions: collect and use questions intelligently to learn more about a customer's needs.
Focus on the big picture: look at a customer's longer-term needs rather than simply making a sale today.
Follow-up: go above and beyond to stay in touch with a customer who has purchased from you to check on their satisfaction; send a thank-you note.
Help customers buy: show customers the value in your products and services and help them own the decision to buy.

Learn more about improving sales and service performance ...

Leadership

4 Must-Dos When Leading People Through Change

How many change initiatives has your bank gone through so far this year? Less than five? More than ten?

Achieving breakthrough business results amid a change integration initiative -- whether it be a merger/acquisition, internal reorganization, or a technology system update -- requires your bank's leaders to successfully guide their people through the change and keep them focused, motivated, and productive.

Here are four best practices for leading people through change:

Model authenticity and flexibility: be honest with yourself about your current readiness to make the change; communicate how the change will benefit all involved and acknowledge the concerns of your staff.
Communicate for positive momentum: make the business case for change and create dialogue to surface and address concerns.
Create a safe environment for risk taking: coach staff in how to integrate change and develop resiliency; give people time to adjust to the change -- some need more time than others.
Promote ownership: create a shared vision of the future and how it will positively affect people, integrate the change into formal goals.

Learn more about improving leadership performance ...

Need some more Ideas You Can Bank On? Visit Omega's Blog!

A new post by Omega's Mark Faircloth was added today. See what Mark has to say (and send him your comments) by visiting our blog, Ideas You Can Bank On now!

U.S. Public Seminar

Understanding Corporate Finance
A one-day, highly interactive seminar where you will learn how to effectively assess risk and build profitable client relationships -- the key to long-term success in today's sophisticated commercial banking environment.

November 6, 2008
Chicago, Illinois

November 13, 2008
Cleveland, Ohio

More information and to register

Web Events You Won't Want to Miss!

What Kind of Executive Coach Are You?
Learn how using coach-the-coach techniques can help you drive business results.

September 9, 2008
10:00 AM - 11:00 AM Eastern Time (U.S. & Canada)
3:00 PM - 4:00 PM British Standard Time (U.K.)
More information and to register

Sustaining Learning Beyond the Training Event
Ensure new behaviors gained in training yield greater business results for your organization.

September 17, 2008
12:00 PM - 1:00 PM Eastern Time (U.S. & Canada)
More information and to register

New Articles

"When You Are Up to your Waist in Alligators it is Hard to Remember You Started Out to Drain the Swamp" or, "Remember When Real Estate Loans Made Us Lots of Money?"

It is no secret that the commercial real estate market is following the same negative trends we have seen in the residential real estate markets over the past year. It is also no secret that many financial institutions have long held to the premise that: "If you lend on dirt, you can't get hurt." We are now seeing that this long-held premise has all of the validity of an old wives tale. Download the complete article, authored by Dr. Jerry Crigger, Omega Performance's vice president and senior consultant: credit and risk.

Download Now

Knowledge Currency

Published in Mortgage & Finance Brief (Aug./Sept. 2008 issue)

Online learning offers many advantages for time-poor brokers and programs can be individually customized to suit specific education needs. Get your complimentary copy of this article, authored by Howard Cook, Omega Performance's new business and alliances manager, Australia, now.

Download Now

Quick Links ...