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Credit unions can look to TCT Risk Solutions, LLC (TCT) for the management tools and policy assistance needed to effectively manage the risk in their loan portfolios.

Most credit unions have been pretty successful increasing their loan portfolios in the past five years. This growth could be positive (or negative) depending on how the risks in current loan portfolios are managed.

Credit risk in existing loan portfolios needs to be managed through two primary means – in policy and in practice.

Managing Risk through Policy

By Dennis Child, Research Specialist, TCT Risk Solutions, LLC

For the past nine years, credit unions have enjoyed loan growth by extending loan payment terms and loosening borrower standards. Larger credit unions especially have been seeing growth in their loan portfolios. Much of the new loan activity in the past several years has been in the “less-than-prime” market. This could be good news providing loans are priced appropriately and managed carefully – especially when it comes to less-than-prime loans.