MY CORE BELIEFS
My Values & Principles Matter as Much as my Teaching and Consulting Expertise
Over several decades of delivering credit services and teaching others how to do the same, I have developed a core set of beliefs. These beliefs cover how credit should work, but they also cover how my relationships with clients should work.
For a quick overview of those beliefs and principles, watch my core beliefs video. It's a good way to "meet" me, to hear what I believe in, and to get a feeling for my commitment to those principles.
Frequently Asked Questions:
A few questions come up again and again with new clients. Most of the answers are found elsewhere on this site, so use the links below to get your questions answered.
What services do you offer?
Clients typically use me in the following roles:
- as a speaker and presenter at conferences and events sponsored by national, state, and regional trade associations. I set context, reinforce key principles, and raise awareness to ensure participants get the most out of your events.
- as a trainer, facilitator, and curriculum developer for association workshops, individual institution programs, industry-wide webinars, and credit schools.
- as a consultant on credit policy, culture issues, and portfolio risk management.
What are your main themes in education and consulting?
- That every client deserves my full understanding and attention before they need my advice or services.
- That my clients should get the expertise they need, not just the expertise I have to provide.
- That risk management is what we do, and that it takes a comprehensive approach -- the right data, the right tools, the right education, the right policy, the right environment -- to optimize risk management.
- That culture matters. When different levels, different functions, or different locations within the organization have different understandings of "how we do things around here", your institution will be more wasteful, less efficient, less effective, and exposed to greater risk.
- That mimicking your competition cannot get you better results than your competition. Without the courage to go beyond aping "best practices" to designing paths to "best outcomes", you will never be a market leader.
- That communication is Job #1 at every level of your organization. No matter how much time and money you put into devising better strategies and designing more effective business practices, those strategies and practices do not matter unless they are internalized by the people on the front lines.
- That teaching better ways of doing things demands clear, effective, engaging, and focused delivery, whether in a seminar, a meeting, a convention, a webinar, or an article or white paper.
How can I learn more about your style, your approach?
I believe that "fit" is important. That is, expertise is not enough. You want someone who shares your values, who communicates in ways that fit your institution. You want someone who thinks the right way about credit in general, so that when a new question pops up, and I have to respond "on my feet" to an issue, you can be confident of an appropriate response.
You want someone who fits your desired culture.
The best way to get at that intangible side of what you're buying when you hire me is to explore the "Test Drive Me!" tab. You will find:
- Several video clips to help you visualize me interacting with you and your staff;
- More than 200 past articles from my bi-weekly e-zine, Jeff's Thoughts;
- Reprints of other articles I have written to address various issues for banks and credit unions;
- Some longer white papers on credit policy, culture, and portfolio risk assessment.
And, of course, if you still have questions after your "test drive", drop me a line!
Quick! I need your photo and bio to promote your appearance!
A quick visit to my Press Kit tab will give you several options for photos and biographical blurbs to help you market your event.
How do you help institutions achieve their goals?
I provide both consulting and training services in several key areas. To consistently achieve good credit outcomes, your institution needs:
- Front-line staff who know the fundamentals of credit analysis, structure, and more;
- Consistent application of key strategies at all levels, locations, and functions of the institution;
- Effective communication from bank leadership, whether capturing guidance in a living, effective credit policy, or developing better communication methods to reinforce the most effective culture;
- High quality data and analysis to manage risk, allocate reserves, and to prepare for where the portfolio will be in the future.
With my team of associates, I can help in every one of these areas.
Tell me more about your training services …
I have trained bank and credit union employees at every level of credit operations, in every part of the country, as well as in international settings. Use the following links to learn:
- More about the clients I have served and their comments on my work.
- Specific topics that are popular with credit unions and with banks.
- A discussion of how delivery options, in-class or webinar, can maximize impact while controlling costs.
- Some ideas about how developing custom training can provide you with a competitive advantage.
How do clients commonly use you as a consultant?
My clients seek my advice on a wide range of topics, but among the more common consulting issues are:
- Culture issues, including culture assessments, coaching on effective communication approaches, and curriculum development to address "culture gaps."
- Credit policy, to ensure that policy and process are active, effective contributors to success rather than being irrelevant, or even hindering success.
- Risk Management to ensure that risk rating systems are effective and providing quality data, as well as advising clients on selecting and applying portfolio analysis models.
Who are the "Associates"?
My associates are an integral part of my business, and appropriate players may play key roles in any client project. But you should know that I never call in associates just to delegate work that would be better done by me.
I have worked with each of my associates for many years, so you can be confident that they will be called in to provide specific expertise and skills. You can learn more about how I deploy my associates, along with the backgrounds of some key players on my team, at my Associates page.