Credit Union Conversations

Mark Ritter
  • 5.0 (11)
  • Investing
  • Updated Biweekly

Welcome to Credit Union Conversations podcast with your host, Mark Ritter, a forward-thinking CEO, who excels in helping credit unions, small businesses, and real estate investors succeed. Join Mark as he explores current trends, interview industry experts, and get fresh insights on optimizing your lending operations and delivering the best possible services to credit union members. More about your host: Mark Ritter is the CEO of MBFS & Nu Direction Lending and an expert in credit unions and business lending. His primary role at MBFS is overseeing the strategy of helping credit unions assist members with business needs and consulting with credit unions on planning the delivery of services to their membership. In 2002, Mark started a large central Pennsylvania credit union’s business lending program as “one person and a desk” with no policies, products, staff, systems, or business members. That program grew to be one of the top ten in the nation. In 2012, he took on the challenge of being the CEO of a business lending CUSO. Mark was the fifth CEO in five years for the organization, which lost money every month of its existence. Since joining MBFS, Mark increased the number of credit unions the CUSO and revenue by over 10x and ensured positive cash flow every full year he’s been at the CUSO. More importantly, MBFS has helped countless credit union members gain the financing they need for business and investment needs. Mark is a native of Berwick, PA in northeast Pennsylvania, where he was a member of his high school’s nationally ranked and state championship football team. After high school, Mark hung up his cleats to work for the Penn State Nittany Lions full-time as a student assistant while attending Penn State as an undergrad. During this time Penn State transitioned to the Big Ten and culminated in Penn State’s first Big Ten Championship and a trip to the Rose Bowl. Mark remains an avid Penn State supporter. Today Mark lives in Bucks County, PA outside of Doylestown with his wife and two teenagers.

  1. 6d ago

    Checking In With Michael Nagl of Centennial Lending

    From bartending in Estes Park to golf lessons to running a multimillion-dollar CUSO, Michael Nagl's story proves that the best leaders take unexpected roads. He and Mark Ritter dig into mortgage-lending boom-and-bust cycles, why member service still beats automation, and how a niche auto-leasing program now serves credit unions nationwide. They also swap stories about golf at altitude and Estes Park, Colorado. Whether you run lending or just love a great career journey story, this episode of Credit Union Conversation delivers insight, humor, and real talk about building lasting credit union partnerships in a shifting rate environment. What You Will Learn in This Episode: ✅ How credit union lending partners like Centennial balance mortgage rate cycles with steady member service ✅ Why member business loans and commercial real estate lending demand local market expertise ✅ How indirect auto loans and leasing give credit unions a low-delinquency, high-yield product ✅ What separates a true credit union partnership from a simple vendor relationship Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Meet Michael Nagl, CEO of Centennial Lending, and learn about his ties to Estes Park, Colorado 05:10 From bartending to golf pro, Michael's unconventional path into credit union lending 12:19 Managing mortgage lending boom and bust cycles, including the 2023 workforce reduction 16:02 Why member service still wins over automation in today's mortgage lending market 22:56 Inside Centennial's member business loans and commercial real estate lending strategy 29:53 How indirect auto loans and leasing became a niche win for the credit union service organization 37:13 What makes a strong credit union partnership work, plus Centennial's four strategic pillars KEY TAKEAWAYS: 💎 Strong credit union lending relationships depend on communication, discipline, and genuine member service, not just rates 💎 Mortgage lending is cyclical, and CUSOs that absorb the boom and bust protect staff and credit union partners alike 💎 Auto leasing and member business loans give credit unions low-delinquency ways to diversify their lending portfolio ABOUT THE GUEST: Michael Nagl - LinkedIn Michael Nagl - Email RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Credit Union Lending, Mortgage Lending, Member Business Loans, Commercial Real Estate Lending, Auto Leasing, Indirect Auto Loans, Credit Union Service Organization, Centennial Lending, Blue Federal Credit Union, Mortgage Rates

    Checking In With Michael Nagl of Centennial Lending

  2. Jul 14

    Let's Meet Kendall from MBFS!

    Careers in the credit union industry can take unexpected turns, as Kendall Boyle proves in this episode of Credit Union Conversations. From wedding-planning chaos to underwriting spreadsheets, Kendall’s career path is anything but ordinary. Host Mark Ritter chats with the MBFS portfolio analyst about surviving hospitality burnout, thriving in remote work, and finding calm through animal fostering. Kendall opens up about the emotional side of fostering kittens, the perks and pitfalls of working from home, and why Michigan summers on the lake make the long winters worth it. It's a warm, funny, and honest conversation about building a career that actually fits your life, on your own terms. What You Will Learn in This Episode: ✅ How Kendall moved from event planning and hospitality burnout into mortgage underwriting ✅ Why remote work at a credit union CUSO can support real work-life balance ✅ What it takes to become a foster home for kittens through your local humane society ✅ How credit union careers can lead to meaningful work in business lending nationwide Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Mark welcomes Kendall Boyle, portfolio analyst at MBFS, who shares her origin story 06:24 Kendall describes her career change into mortgage underwriting during the 2020 pandemic 08:52 Kendall discusses the pros and cons of remote work and finding true work-life balance 12:35 Kendall talks about fostering kittens and volunteering with the Capital Area Humane Society 16:44 Mark and Kendall close out discussing Michigan summers, snow belt winters, and MBFS KEY TAKEAWAYS: 💎 Career changes can lead somewhere unexpected, as Kendall Boyle's move from event planning to mortgage underwriting shows. 💎 Remote work isn't just convenient; it can boost productivity and support a healthier work-life balance. 💎 Giving back through animal fostering, such as volunteering with a local humane society, brings meaning beyond the office. ABOUT THE GUEST: Kendall Boyle - LinkedIn RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Credit Union Careers. Business Lending, Remote Work, Underwriting, Mortgage Industry, Foster Kittens, Humane Society, Work Life Balance

    Let's Meet Kendall from MBFS!

  3. Jul 7

    Talking With Ian Lampl of LoanStreet

    What does it take to leave a prestigious law career, join the most hated government program in history, and then launch a fintech startup with no clients, no marketing materials, and no industry relationships? Ian Lampl did exactly that. Host Mark Ritter welcomes Ian, founder and CEO of LoanStreet, to discuss the evolution of loan servicing, commercial lending, and the broader fintech landscape. Ian shares his journey from Wall Street attorney to TARP deputy counsel to entrepreneur, offering candid insight into what it takes to build a company from scratch in the credit union space. The conversation covers how credit union balance sheet management tools have matured and where the biggest gaps remain. What You Will Learn in This Episode: ✅ How loan participation has grown from a niche liquidity tool into a sophisticated balance sheet management strategy that more credit unions are using as a primary resource rather than a last resort. ✅ Why credit unions tend to overestimate charge-off risk while underestimate prepayment risk, and how a stronger focus on total return could meaningfully improve lending program performance. ✅ What sets modern loan servicing platforms apart from legacy systems, and why the complexity of commercial lending infrastructure makes it one of the hardest and most underserved areas in fintech. ✅ How LoanStreet is expanding into private credit, Canadian credit unions, and European markets while deepening its consumer analytics capabilities through a partnership with Experian. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Mark opens with a look at 2026 lending trends and introduces loan participation expert Ian Lampl 01:44 Ian reflects on his time at TARP, government oversight challenges, and lessons from the 2008 financial crisis 06:18 From law firm to entrepreneur: Ian discusses the risk of leaving a stable career to build a fintech startup, and shares advice regarding starting your own business 12:06 How the loan participation marketplace has grown in sophistication, scale, and frequency across the credit union industry 15:15 Ian explains why credit unions underweight prepayment risk and how focusing on total return improves outcomes 22:28 Inside LoanStreet's commercial loan servicing platform and why modern solutions in this space remain rare 28:31 Ian discusses the upcoming growth expected for LoanStreet KEY TAKEAWAYS: 💎 Loan participation has evolved from a last-resort liquidity move into one of the most powerful balance sheet management tools available to credit unions, with more institutions now using it earlier and at greater scale. 💎 Credit unions consistently overweight charge-off risk while underweighting prepayment risk, and shifting toward a total return mindset could unlock stronger performance across programs like indirect auto and residential lending. 💎 Modern loan servicing platforms for commercial lending are rare because building them requires deep industry knowledge, years of development, and significant fintech investment. LoanStreet is one of the few companies actively closing that gap, with a large R&D budget and updates released every two weeks. ABOUT THE GUEST: Ian Lampl is the co-founder and CEO of LoanStreet Inc., an innovative online platform that helps financial institutions to manage, scale and analyze loans on their balance sheets, connect with partners and effectively share risk. Prior to launching LoanStreet, Ian served as Deputy Chief Counsel for the Office of Financial Stability which implemented the Troubled Asset Relief Program (TARP) for the United States Department of the Treasury. While at Treasury, Ian developed and managed a number of the Treasury programs to stem the financial crisis. For his work, he received the Treasury Secretary's honor award for exemplary public service. Ian is recognized as an industry leader in loan participations and is a frequent speaker at banking, credit union, and financial technology conferences. Before joining Treasury, Ian was an attorney at Cravath, Swaine & Moore LLP, where he focused on commercial lending and securities offerings. He graduated with honors from both University of Chicago Law School and Princeton University, where he received a B.S.E. in Electrical Engineering. LoanStreet - Website Ian Lampl - Email RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Loan Participation, Loan Servicing, Balance Sheet Management, Commercial Lending, Fintech, Loan Origination, Private Credit, Prepayment Risk, Charge-off Risk, Loan Portfolio, Balance Sheets, Transforming Loan Portfolios

    Talking With Ian Lampl of LoanStreet

  4. Jun 30

    Sales Talk with Melissa Kopp from The League of Credit Unions

    Are your current vendor relationships helping you solve real problems or just cluttering your technology stack? In this episode, Mark Ritter sits down with Melissa Kopp, Chief Revenue Officer for the League of Credit Unions and its affiliate Leverage, to discuss how credit union fintech partnerships are shifting from standard product pitching to collaborative problem solving. Melissa shares her insider perspective on how institutions can build a trusted member journey by moving past isolated products and focusing on connected experiences. This conversation delivers practical advice on maximizing conference ROI, evaluating vendor ecosystems, and leveraging the true spirit of cooperation among cooperatives. What You Will Learn in This Episode: ✅ Why shifting from isolated product evaluations to comprehensive ecosystem evaluation is critical ✅ How prioritizing problem solving over aggressive sales tactics drives credit union growth ✅ What fintech disruption means for credit unions trying to build modern experiences ✅ Why focusing on credit union collaboration and shared mission outlasts big bank tactics Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Introduction: Meet Melissa Kopp 03:55 The evolution and footprint of the League of Credit Unions and Leverage 05:09 Vendor connection mistakes and building a trusted member journey 08:06 Shifting from simple product sales to strategic ecosystem evaluation 12:17 Packaging financial outcomes over individual product banking 15:57 Navigating conference networking and driving relationship transformation 19:16 Embracing credit union collaboration and cooperation among cooperatives 23:00 Melissa's practical advice on creating modern experiences for members KEY TAKEAWAYS: 💎 Trust moves slower in the credit union space, which means that long-term relationships matter significantly more than aggressive sales tactics. Credit union leaders must focus on reputation and baseline credibility before jumping straight into product implementation. 💎 Modern evaluation has completely shifted from isolated product testing to a broader ecosystem evaluation that includes integration, data strategy, and cultural alignment. Leaders should avoid duct-taping disconnected apps together because it harms the final member experience. 💎 Credit unions should stop trying to out-bank the commercial mega-banks and instead double down on their mission-driven roots. The ultimate competitive advantage lies in combining seamless digital convenience with trusted, localized relationships. ABOUT THE GUEST: Melissa Kopp, Chief Revenue Officer for the League of Credit Unions. RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Melissa Kopp, The League of Credit Unions, credit union fintech partnerships, modern experiences, trusted member journey, strategic innovation, ecosystem evaluation, Business Lending, Credit Union Growth, credit union business lending, CUSO lending, credit union podcast, credit union loan participation, credit union member business loans, credit union leadership podcast, commercial lending credit unions, credit union succession planning, NCUA compliance, credit union CUSO business lending podcast, how credit unions grow business loan programs, Leverage, cooperation among cooperatives, problem solving, relationship transformation, credit union collaboration

    Sales Talk with Melissa Kopp from The League of Credit Unions

  5. Jun 16

    How is 2026 Going?

    What does it really take to grow a business lending CUSO in 2026? Mark Ritter and Jeff Lyons pull back the curtain on eight years of organizational evolution, honest reflections on artificial intelligence, and where credit union technology is finally delivering results. From Microsoft Copilot upgrades that went from frustrating to impressive, to AI-assisted hiring wins, to the unfiltered reality of conference networking, this conversation is refreshingly direct. If you work in fintech or credit unions and want a perspective grounded in real experience rather than buzzwords, this episode is for you. What You Will Learn in This Episode: ✅ How credit union technology like Microsoft Copilot and ChatGPT has evolved from clunky early tools into genuinely useful platforms for business efficiency inside a growing CUSO. ✅ Why a thoughtful approach to AI adoption paid off for MBFS, including a real example of how updated job descriptions powered by AI led directly to a successful hire. ✅ How portfolio management practices and internal team development have transformed credit union growth at MBFS over eight years of organizational change. ✅ What conference networking looks like today compared to 20 years ago, and why showing up at trade shows is now more about relationships than closing deals on the floor. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Jeff Lyons reflects on eight years of credit union growth and his evolving COO role 05:14 History of artificial intelligence, from Clippy to ChatGPT and credit union technology 09:44 Honest take on Microsoft Copilot, AI adoption struggles, and real business efficiency gains 14:21 How AI adoption improved hiring via smarter job descriptions and operational efficiency 16:16 The changing reality of conference networking, trade show etiquette, breakfast buffets, and industry trends observations 21:52 Wrapping up favorite conferences and final thoughts on AI adoption in credit union growth KEY TAKEAWAYS: 💎 Artificial intelligence tools like Microsoft Copilot and ChatGPT are no longer aspirational. Teams willing to invest in better prompting and consistent use are delivering real gains in business efficiency right now. 💎 AI adoption works best in small, practical steps. The MBFS team saw direct results when they used AI to sharpen a job posting, proving that credit union technology need not be complex to create a measurable impact. 💎 Conference networking remains valuable for credit union growth, but the purpose has shifted. Today, the goal is to maintain relationships and digital marketing visibility, not to generate new business from the booth floor. ABOUT THE GUEST: Jeff Lyons - LinkedIn RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Credit Union Technology, Artificial Intelligence, Business Lending, Microsoft Copilot, ChatGPT, Financial Technology, Credit Union Growth, Portfolio Management, Trade Shows, Conference Networking, AI Adoption

    How is 2026 Going?

  6. Jun 2

    Checking in With Jay Murray

    Credit union strategy takes center stage as Mark Ritter welcomes industry veteran Jay Murray to Credit Union Conversations. From teller to CEO, Jay's path through corporate credit union leadership shaped decades of collaboration within the credit union sector. He reflects on the financial crisis, regulatory gaps, and how shared services helped small institutions survive and scale. Jay also unpacks the importance of succession planning and why the cooperative model remains vital. His long-tail insight: Credit union succession planning strategies are essential for institutions that want to outlast their current leadership. What You Will Learn in This Episode: ✅ How credit union strategy evolves over decades, and why leaders who embrace credit union collaboration and shared services consistently outperform those who go it alone. ✅ What the corporate financial crisis revealed about regulatory oversight and why understanding credit union history prepares today's leaders for tomorrow's risks. ✅ Why succession planning at both the CEO and board level is the difference between an institution that thrives beyond its founder and one that quietly disappears. ✅ How the cooperative model and financial literacy initiatives can position credit unions as indispensable community anchors in an increasingly corporate financial landscape. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Jay Murray's origin story: from forestry dreams to credit union leadership and becoming a teller at a family savings and loan 03:16 The early days of corporate credit union outreach, visiting 1,150 Pennsylvania credit unions 05:34 How Mid-Atlantic Corporate grew through mergers and rebranded as VIZO 08:55 The financial crisis: what regulatory oversight missed and what the NCUA ultimately did 15:33 Building credit union collaboration through myCUservices and RKGO BIG 19:57 Succession planning and forward-thinking board governance determine whether a credit union survives KEY TAKEAWAYS: 💎 Adaptability defines survival. The credit unions and businesses that thrive are those committed to a credit union strategy built on constant movement, change, and a willingness to evolve before circumstances force them to do so. 💎 Collaboration is not optional. Credit union collaboration and shared services lower costs and expand capabilities, yet too few institutions pursue deep cooperation. The cooperative model only works when members of the movement genuinely commit to it. 💎 Plan beyond yourself. Meaningful succession planning at the CEO and board level ensures the institution outlasts any single leader. Community banking relationships and financial literacy efforts give credit unions a purpose that mergers and acquisitions cannot replace. ABOUT THE GUEST: Jay Murray - LinkedIn Business Broker/Intermediary with Murphy Business Sales of Greater Harrisburg, leveraging over 30 years of executive leadership experience to help entrepreneurs navigate critical business transitions. Specializing in business consulting and facilitating successful transactions, I bring practical experience having led multiple successful organizations through strategic transitions. As both a business owner and intermediary, I provide strategic insight and tactical expertise for those looking to buy, sell, or grow their business. Currently serving as President of Julius Gray and Associates, LLC, Principal of Julius Gray Business Services, LLC, and Co-owner of Huntington Learning Center - Harrisburg East, where we help students overcome learning challenges through personalized tutoring and test prep services. Previously served as CEO of Vizo Financial Corporate Credit Union and President/CEO of Mid-Atlantic Corporate Federal Credit Union, where I led organizations serving over 1,000+ credit unions nationwide. Extensive experience in operations management, nonprofit leadership, and sales, with proven expertise in driving organizational growth and optimizing business performance. RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Business Lending, Credit Union Strategy, Corporate Credit Union, Succession Planning, Credit Union Collaboration, Strategic Planning, Financial Literacy, Cooperative Model, Credit Union History, Shared Services, Community Banking, Credit Union Leadership, Financial Crisis

    Checking in With Jay Murray

  7. May 19

    State of Mortgages With John Giordano

    Is your credit union ready for what is happening in mortgage banking right now? In this episode of Credit Union Conversations, host Mark Ritter sits down with John Giordano of First Heritage Mortgage Services to break down the real state of mortgage rates, housing inventory, and home affordability in 2026. With over 1,800 active pre-approvals on the books and portfolio loans gaining ground, John reveals why this moment is one of the greatest opportunities credit unions have seen in years and what it takes to seize it. What You Will Learn in This Episode: ✅ Why today's mortgage rates and tight sale margins are pushing credit unions toward portfolio loans as a smarter, more profitable lending strategy than traditional secondary market selling. ✅ How the housing market has become deeply regionalized across nine distinct U.S. regions, and what that means for loan production and mortgage banking strategy at the local level. ✅ What role mortgage technology and faster loan origination timelines are playing in helping credit unions compete with large national lenders like Rocket Mortgage and Wells Fargo. ✅ Why housing supply shortages and builder deregulation discussions from Washington could reshape home affordability and home buying demand for credit union members in the years ahead. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 John shares his background at First Heritage and how its services are unique 04:15 John’s perspective on why today's mortgage banking environment is unlike any prior cycle 09:24 How the U.S. housing market has split into nine distinct regional quadrants affecting home buying and loan production 15:35 The strategic shift: why credit unions are choosing portfolio loans over secondary market sales to protect margins 20:30 Record pre-approvals signal strong demand, but housing supply and new construction shortfalls remain critical barriers 26:10 Millennials reversing course from urban living reveals new home affordability and real estate trends KEY TAKEAWAYS: 💎 Mortgage rates began 2026 nearly a full point lower than the prior year, creating a genuine opportunity for credit unions to grow loan production and deepen member home-buying relationships right now. 💎 The shift toward portfolio loans is not a trend but a necessary evolution, as razor-thin margins in mortgage banking make the traditional originate-and-sell model far less viable for sustainable credit union revenue. 💎 Housing supply remains the core challenge underlying home affordability, with the largest U.S. builders producing fewer than 90,000 units per year, nowhere near enough to meet current real estate demand across the country. ABOUT THE GUEST: First Heritage - Website Mortgage Chit Chat - Podcast RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Mortgage Rates, Home Loans, Mortgage Banking, Housing Market, Interest Rates, Pre-Approval, Portfolio Loans, Secondary Market, Home Affordability, Loan Origination, Housing Inventory, Refinancing, Mortgage Innovation

    State of Mortgages With John Giordano

  8. May 5

    Checking In With Joe Hyatt of DFTC

    What does it take to build a thriving credit union business lending program in today's market? Mark Ritter sits down with Joe Hyatt of DFTC to unpack decades of experience in commercial lending, loan underwriting, and portfolio diversity. From navigating NCUA compliance to chasing treasury management goals, they share candid insights on what credit unions are doing right and where they still fall short. If you work in business lending, this conversation will hit close to home. What You Will Learn in This Episode: ✅ How credit union business lending has shifted from a rigid, prescriptive regulatory framework to a more flexible, opportunity-driven environment, and what that means for your program today. ✅ Why strong credit administration, consistent independent loan review, and thorough annual reviews are the foundation of surviving and succeeding in an NCUA compliance examination. ✅ How portfolio diversity, including a move toward C and I lending, small business lending, and treasury management, is reshaping how credit unions approach growth and member relationships. ✅ Why credit union technology and emerging AI tools are no longer optional, and how embracing innovation will determine which programs lead and which get left behind. Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union’s growth today. TIMESTAMPS: 00:00 Joe Hyatt details DFTC's loan underwriting, training, and independent loan review services built for credit unions nationwide 04:25 Reflecting on the early days of member business lending and the evolution of talent, tools, and portfolio limits 08:39 Joe outlines keys to NCUA compliance: strong policies, solid credit administration, and proactive loan workout planning 12:50 Exploring portfolio diversification, treasury management, and why small-business lending competes with larger commercial real estate deals 18:45 Some of the big differences for better or worse today versus the old days 21:48 Joe's closing thoughts on portfolio diversity, AI adoption, and why credit union technology will separate tomorrow's leaders from the rest KEY TAKEAWAYS: 💎 Success in credit union business lending is not accidental. Programs that invest in strong policies, consistent credit administration, and proactive, independent loan review hold up under examiner scrutiny and deliver long-term results. 💎 Chasing large commercial real estate transactions is tempting, but sustainable growth requires intentional portfolio diversification, small-business lending, and building full treasury relationships with business members. 💎 The credit unions that will lead in the next decade are those willing to embrace credit union technology and AI tools now. Waiting is not a neutral position; it is a choice to fall behind as the industry rapidly evolves. ABOUT THE GUEST: Joe Hyatt - LinkedIn RESOURCES MENTIONED: Mark Ritter - Website Mark Ritter - LinkedIn SEO KEYWORDS: Credit Union Conversations, Mark Ritter, MBFS, Credit Unions, CUSO, Credit Union Business Lending, Commercial Real Estate, Loan Underwriting, Portfolio Diversity, Credit Administration, Treasury Management, Independent Loan Review, Commercial Lending Training, C And I Lending

    Checking In With Joe Hyatt of DFTC
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Trailer

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About

Welcome to Credit Union Conversations podcast with your host, Mark Ritter, a forward-thinking CEO, who excels in helping credit unions, small businesses, and real estate investors succeed. Join Mark as he explores current trends, interview industry experts, and get fresh insights on optimizing your lending operations and delivering the best possible services to credit union members. More about your host: Mark Ritter is the CEO of MBFS & Nu Direction Lending and an expert in credit unions and business lending. His primary role at MBFS is overseeing the strategy of helping credit unions assist members with business needs and consulting with credit unions on planning the delivery of services to their membership. In 2002, Mark started a large central Pennsylvania credit union’s business lending program as “one person and a desk” with no policies, products, staff, systems, or business members. That program grew to be one of the top ten in the nation. In 2012, he took on the challenge of being the CEO of a business lending CUSO. Mark was the fifth CEO in five years for the organization, which lost money every month of its existence. Since joining MBFS, Mark increased the number of credit unions the CUSO and revenue by over 10x and ensured positive cash flow every full year he’s been at the CUSO. More importantly, MBFS has helped countless credit union members gain the financing they need for business and investment needs. Mark is a native of Berwick, PA in northeast Pennsylvania, where he was a member of his high school’s nationally ranked and state championship football team. After high school, Mark hung up his cleats to work for the Penn State Nittany Lions full-time as a student assistant while attending Penn State as an undergrad. During this time Penn State transitioned to the Big Ten and culminated in Penn State’s first Big Ten Championship and a trip to the Rose Bowl. Mark remains an avid Penn State supporter. Today Mark lives in Bucks County, PA outside of Doylestown with his wife and two teenagers.

Information

  • Creator
    Mark Ritter
  • Years Active
    2022 - 2026
  • Episodes
    133
  • Rating
    Clean
  • Copyright
    © Copyright 2024 Credit Union Conversations
  • Show Website
    Credit Union Conversations