eTrain: How to Safely and Profitably Offer Loans to a Non-Prime Market


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Registration Investment:
FREE for Power Learner Passport
$200 for Affiliates Non-PLP
Non-Affiliated Contact Leslie Poole

Program Description

If you’re considering lending to non-prime borrowers, you already know you can significantly expand your credit union’s loan portfolio and improve your profitability, but you must be careful. You’ll need special skills, pricing models, and risk-management tools, or the results could be disastrous. Before you decide whether to pursue this market, let Dr. Randy Thompson help you weigh the benefits, hazards, and potential profitability in extending credit to non-prime borrowers. You’ll understand:

  • The benefits, hazards, and potential profitability in extending credit to non-prime borrowers
  • The skills necessary to loan to this specialized loan market
  • What to look for in risk-based pricing models
  • The importance of statistical modeling in loan pricing and loan portfolio management

Program Length: 77 Minutes

Who Should Attend

  • CEO
  • CFO
  • Loan Manager
  • Internal Auditor

Meet The Presenter:

Randy C. Thompson, Ph.D. is the CEO and founder of TCT, Inc. He has consulted with credit unions, through TCT, for the past 28 years. He holds advanced degrees (Ph.D. and MS) in Finance, Statistics and Economics and taught graduate courses in statistics at several universities in the western United States.

He has been a frequent speaker at league and association meetings across the United States and has authored papers and articles for credit union trade journals and for the California/Nevada Credit Union League. He is the author of TCT Suite of products including risk based pricing, deposit pricing, Credit Migration, with ALLL, and the CostPro Earnings at Risk ALM Simulation Model. Dr. Thompson has delivered training on loan and deposit pricing, credit migration and ALLL to federal and state examiners in six western states.


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