Increase the value of each loan application

first_imgAre you connecting with your members the best ways that you can? A recent study showed that “about 60% of smartphone or tablet users who switched banks in the fourth quarter (of 2013) said mobile banking was an important factor in the decision1.” Another market study showed that the second most important banking feature among financial institution seekers is online and mobile banking2.This survey also revealed that age has a lot to do with banking preferences; 22.8 percent of respondents between the ages of 18 and 24 said they find online and mobile banking features most important — more than any other age group.2Mobile banking is definitely increasing in demand.But how will you be able to offer the same services via mobile technology that you do in-house? And what about insurance products that help you avoid losses due to members’ hardship and increase your fee-income opportunities?In a recent Transamerica study, 33% of respondents were not offered Credit Insurance when they took out a non-mortgage loan under $100K. Of the 33% not offered Credit Insurance:16% had never heard of Credit Insurance.75% felt it is a Good or Excellent idea.64% of respondents agreed that Credit Insurance fills a need for them.The study did not determine whether consumers completed the loan application in-house, online, or via a mobile device, but if your current online or mobile Loan Origination System (LOS) is not offering insurance at the time of sale, you are missing out on an opportunity to better protect your borrowers, your credit union, and add to your bottom line.InterLend® by Transamerica is one of the only virtual lending platforms that provides the additional benefit of offering insurance products during the online lending process. It allows you to connect with and protect your online and mobile borrowers effortlessly and efficiently. InterLend is easy, fast, and simple for borrowers to understand. It allows them to complete an entire loan application and receive an instant approval in just minutes.InterLend offers:Fast application time – the average application takes is 8 ½ minutes3 to completeMobile access technologyReal-time loan quotesValue per lead maximization with cross-selling abilitiesStreamlined approvalCustomizable solutionsTransamerica Financial Solutions Group can help you provide the personal member–centric experience previous generations of members have praised, while fusing that with the technological innovations tech-savvy members crave. Our dedicated and experienced professional team delivers optimal solutions to businesses by valuing the organization’s vision as well as their members’ needs, preferences, and buying behavior.Transamerica – Your Complete Loan Protection Product and Solutions ProviderTransamerica can help your Credit Union craft loan protection product solutions that will meet your members’ needs. Our combination of flexibility and thorough training helps provide you with a competitive advantage while helping to improve your profitability. Perhaps most importantly, Transamerica can help you give your borrowers peace of mind that their loan is protected.Transamerica’s overall approach and philosophy positively impacts and creates a successful culture with Credit Unions of all sizes. Learn more about the Transamerica Financial Solutions Group and the products and programs available to help expand your business and improve member services.1 The Wall Street Journal, “Mobility Becomes a Banking Essential,” (Apr. 2014).2 GOBankingRates, “45 Percent of Bank Customers Care More About Fees Than Rates, Convenience and Service,” (Feb. 2014).3Source: InterLend® Google Analytics 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Tom Kazar Tom Kazar is the Vice President of Sales and leader of the Sales Team for Transamerica – Financial Solutions Group. Tom’s focus is on adding new insurance industry products, expanding … Web: Detailslast_img read more

England Unveil 23-Man World Cup Squad As Wilshere And Hart Miss Out

first_imgEngland have released their 23-man squad ahead of this summer’s FIFA World Cup in Russia.The list was announced earlier on Wednesday as manager Gareth Southgate opted against selecting notable names like Jack Wilshere, Joe Hart and Ryan Bertrand.Tottenham Hotspur striker Harry Kane headlines the list while 19-year-old Liverpool defender Trent Alexander-Arnold is the only uncapped played named in the squad for the tournament.England begin their World Cup campaign in Group G against Tunisia on June 18 before games against Panama and Belgium.Southgate while speaking about the list expressed his excitement over the current crop of Three Lions players as he said: “I believe this is a squad we can be excited about.”“It is a young group but with some really important senior players, so I feel the balance of the squad is good, both in terms of its experience, its character and also the positional balance.” he added.Full Squad:Goalkeepers: Jack Butland (Stoke), Jordan Pickford (Everton), Nick Pope (Burnley).Defenders: Trent Alexander-Arnold (Liverpool), Gary Cahill (Chelsea), Fabian Delph (Manchester City), Phil Jones (Manchester United), Harry Maguire (Leicester), Danny Rose (Tottenham Hotspur), John Stones (Manchester City), Kieran Trippier (Tottenham Hotspur), Kyle Walker (Manchester City), Ashley Young (Manchester United).Midfielders: Dele Alli (Tottenham Hotspur), Eric Dier (Tottenham Hotspur), Jordan Henderson (Liverpool), Jesse Lingard (Manchester United), Ruben Loftus-Cheek (Chelsea).Forwards: Harry Kane (Tottenham), Marcus Rashford (Manchester United), Raheem Sterling (Manchester City), Jamie Vardy (Leicester), Danny Welbeck (Arsenal).Standby: Lewis Cook (Bournemouth), Tom Heaton (Burnley), Adam Lallana (Liverpool), Jake Livermore (West Brom), James Tarkowski (Burnley).Relatedlast_img read more

Connacht lose narrowly to Montpellier in pre-season game

first_imgMONTPELLIER 21-19 CONNACHT Montpellier secured a narrow two-point win over Connacht in Saint-Affrique, France last night. It was an impressive display from Pat Lam’s men in their first run out of the season. With the integration of the summer signings and Academy players, 32 members of the squad were given a run out. Tries were scored by new fullback Cian Kelleher and Academy wing Cormac Brennan, each making their Connacht debut. Nepia Fox-Matamua also got on the score sheet on his return from a long-term knee injury. Outhalves Jack Carty and Shane O’Leary kiced a conversion each. Connacht start the Pro12 season with a home game against Glasgow Warriors on Saturday September 3rd (kick off 5:15pm). Connacht team v Montpellier:15. Cian Kelleher14. Niyi Adeolokun13. Eoin Griffin12. Bundee Aki11. Cormac Brennan10. Jack Carty9. Caolin Blade1. Denis Buckley2. Dave Heffernan3. Dominic Robertson-McCoy4. Sean O’Brien5. Danny Qualter6. Eoin McKeon7. Jake Heenan8. John Muldoon (captain)Replacements: Shane Delahunt, Tom McCartney, Ivan Soroka, Ronan Loughney, Saba Meunargia, JP Cooney, Cian Romaine, Lewis Stevenson, James Connolly, Nepia Fox-Matamua, Conor McKeon, Conor Lowndes, Shane O’Leary, Ed O’Keeffe, Peter Robb, Rory Parata, Josh Rowland.print WhatsApp Facebook Twitter Emaillast_img read more

EDA awards $2 million to SCC, Jackson County

first_imgTo assist with the construction of a new health sciences building, the U.S. Department of Commerce’s Economic Development Administration has awarded a grant worth $2,015,395 to Southwestern Community College and Jackson County.The new workforce training facility, which will be located on SCC’s Jackson Campus, is on schedule to be completed in spring of 2021. It will allow SCC to admit 144 additional students in each of the first two years after the building opens, and the project is expected to create 236 new jobs within Jackson, Macon, Swain Counties and the Qualla Boundary.“We are honored and excited that the EDA chose to help fund our project,” said Dr. Don Tomas, President of SCC. “Our new health sciences building is a huge economic development opportunity for our region. There’s a tremendous need for more healthcare professionals. A number of long-term care facilities have beds available right now, but they can’t accept more patients because there aren’t enough qualified individuals available to provide the necessary care. Our new facility will help change that.”In addition to the EDA grant, other funding sources for construction include the Connect NC Bond and the Jackson County one-fourth-of-a-penny referendum, both of which were passed by voters in 2016. Connect NC will contribute approximately $5.4 million, and Jackson County’s investment will be between approximately $12.3 and $14.4 million – depending on bids.College officials plan to bid the project out within a month.“Investment in this new health sciences building is really an investment in our people, both locally and regionally,” said Don Adams, Jackson County Manager. “The educational opportunities that will be made available through this new facility will empower our citizens to improve the quality of their lives for generations.”SCC needs the new building as it has outgrown the Balsam Center, which was built in 1988 to accommodate four healthcare training programs. Southwestern now has 15 health sciences programs, and the new building will allow for three more once approved by the state.According to research conducted by William Brothers, SCC’s Vice President for Financial and Administrative Services, the average starting salaries for each of SCC’s existing health sciences programs exceed the state’s poverty level for a family of four. The proposed new programs also eclipse that same standard.“We’re training people for jobs that can change their lives,” Brothers said. “Our graduates will find fulfilling careers, and they’ll be able to provide for their families while remaining in this beautiful region we call home.”The proposed three-level building will be 55,411 square feet. It will house 23 classrooms and labs, and many of the college’s health sciences programs will offer free community clinics. Among those are Physical Therapist Assistant, Occupational Therapy Assistant and Medical Sonography.For more information about Southwestern and the programs it offers, visit, call 828.339.4000 or drop by your nearest SCC location.POSSIBLE BREAKOUT BOXFollowing are the health sciences programs SCC currently offers as well as the ones that may be added following construction of the new building:Current programsEmergency Medical ScienceHealth Information TechnologyHuman Services TechnologyMedical AssistingMedical Laboratory TechnologyMedical SonographyNursingNurse AideOccupational Therapy AssistantOutdoor Leadershipo   Wilderness Emergency Medicineo   Wilderness TherapyPhlebotomy CertificatePhysical Therapist AssistantRadiographyRespiratory TherapyTherapeutic MassageNew Programs (pending state approval)Surgical TechnologyOpticianrySpeech Language Pathology Assistantlast_img read more

Watch Guide: Week 8

first_imgWhile you’re here, we’d like you to consider subscribing to Pistols Firing and becoming a PFB+ member. It’s a big ask from us to you, but it also comes with a load of benefits like ad-free browsing (ads stink!), access to our premium room in The Chamber and monthly giveaways.The other thing it does is help stabilize our business into the future. As it turns out, sending folks on the road to cover games and provide 24/7 Pokes coverage like the excellent article you just read costs money. Because of our subscribers, we’ve been able to improve our work and provide the best OSU news and community anywhere online. Help us keep that up. We all might have a severe disdain for 11 a.m. football games, but hey, at least we have a watch guide to get us through them. This week’s slate is not necessarily loaded, but there are some good Big 12 games.TCU at West Virginia. OU at Texas Tech looking for its first 4-0 Big 12 start since 2004 (!) We also get Alabama favored by nearly three touchdowns over the No. 6 team in the country. Parity!Thanks as always to Ryan Hartwig for his work.Weekend Watch Guide: Week 8last_img read more

Alamo Bowl Roundtable: PFB Makes Final Predictions

first_imgAhead of Thursday night’s Alamo Bowl between Oklahoma State and Colorado, the Pistols Firing team made it’s final predictions. What are we most worried about? Will Gundy open up the playbook? Who the heck wins? We discuss it all here.Kyle Boone: What are you feeling most confident/least confident about?Caleb: I feel most confident that Jordan Sterns will break 100 tackles and that mason will break 4000 yards (they need 6 and 227 respectively I believe). I feel least confident in Gundy’s play calls. I’ll just leave it at that for now.Kyle Cox: Most confident in the OSU offense. The dome should eliminate any excuses and Gundy seems more prone to loosen the reigns in this type of bowl/game. Least confident or at least cautiously optimistic about OSU’s ability to run the ball. They will need to get some productions from Hill/Carson to keep Colorado’s stud safety(s) honest.Sam Aldrich: I’m most confident that Chris Carson goes out with a bang- at least 100 yards rushing and a score. I’m least confident in our defense’s ability to get off the field on 3rd down.KB:  Most confident: Justice Hill and Chris Carson getting theirs. The CU secondary has been solid, and I feel like they will try to bait Mason into airing it out. Should leave ample opportunities on the ground.Least confident: The defense. Sefo Liufau was one of the top QB’s in the P12 this season. When he’s healthy (and he’s been battling an ankle), the Buffs are a much different team. He can beat you with his legs. That’s not what OSU fans want to see.Kyle Porter: Bill Haisten wrote about this today, but I don’t feel confident that the motivation on both sides is equivalent. This is Colorado’s Super Bowl. It feels a little bit like we have one eye on 2017 already. That’s not a bad thing, but it might make for a bad outcome. I feel most confident that Justice Hill is going to be incredible.Thomas Fleming: I’m most confident in OSU’s ability to force 1-2 turnovers. Liufau isn’t an overwhelmingly great passer and I would be surprised if OSU picked him off at least once. I’m least confident about Mason, surprisingly, and his ability to do well. I don’t know why, but I’m afraid that away mason = neutral site mason. And this secondary is good. Really, really good.^addendum — picked him off at least once in obvious passing situationsKB: Coming off arguably the most scrutinized gameplan in OSU football history vs. OU, what are you expecting against Colorado? More conservativeness, or will Gundy let it all hang loose a la 2015 Cactus Bowl?Sam: I think it’s all gonna hang loose, and it will be glorious. I’m predicting one of the best performances of the season from the offense. Also, I’m not quite as impressed with Colorado as many seem to be..KC: I’ll stick with my above comment/hope. I think we see a more aggressive play call but still expect plenty of ground game. You can have both. Just need to take shots when you get a chance. Not doing so would be a disservice to the players and especially the outgoing seniors.KP: Is the fifth 10-win season in seven years on the line? Is it a nationally-televised top-12 matchup? Is there a lot to play for and thus a lot to lose? BRING ME ALL THE BUBBLE SCREENS AND FULLBACK DIVES!KC: I want Veatch taking a snapThomas: Meh. Gundy and his wrinkles are constantly an enigma. Historically, he hasn’t done a lot when it comes to trickeration in bowl games minus when monken was here and they unnecessarily used a billion of them against a mediocre Purdue team because, hey, why not. Last year, they had some interesting stuff, but for some unknown reason didn’t start using it until they were waaayyy behind and Walsh was in the fame. He makes no sense to me sometimes. I expect more of the same with some kind-of new shifts and/or motions thrown in there. But boy, would I love to be wrong and watch them go Boise St on everyone.Caleb: I agree with Porter. I have no evidence, but have a strong feeling Gundy is eyeing next year pretty hungrily, making this bowl game more about mitigating risk of injury and confidence-breaking interceptions. I expect his philosophy is “How little can I risk and still make this look somewhat competitive.” which is frustrating and dissapointing as a fan but I guess understandable?KP: Maybe Arroyo will Tonya Harding him, hop on Ralphie and ride this baby into ESPN Classic lore.Caleb: Now last time they played this bowl with an eye on the 2011 season they came out and won 34-10, but it was also against a much less-threatening Arizona. I just see him not wanting to risk Rudolph’s confidence or Justice getting hurt.Thomas: And that’s such a petty reason but you’re absolutely right @calebdeckThomas: Sometimes Gundy reminds me of the dude from benchwarmers who’s afraid of the sunKB: KK awesome. Let’s wrap. Final score predictions? Kyle CoxKyle PorterThomas FlemingSam AldrichKyle BooneJustin SouthwellCaleb Deck While you’re here, we’d like you to consider subscribing to Pistols Firing and becoming a PFB+ member. It’s a big ask from us to you, but it also comes with a load of benefits like ad-free browsing (ads stink!), access to our premium room in The Chamber and monthly giveaways.The other thing it does is help stabilize our business into the future. As it turns out, sending folks on the road to cover games and provide 24/7 Pokes coverage like the excellent article you just read costs money. Because of our subscribers, we’ve been able to improve our work and provide the best OSU news and community anywhere online. Help us keep that up.center_img OSU 38, CU 35OSU 38, CU 30OSU 34, CU 28OSU 41, CU 28OSU 42, CU 27OSU 49, CU 10OSU 42, CU 28last_img read more

Bob Stoops Retiring from University of Oklahoma After 18 Seasons, 10 Big 12 Titles

first_imgBob Stoops’ dad Ron passed away when he was 54 after suffering a heart attack while coaching a HS game & dying on way to the hospital.— Bruce Feldman (@BruceFeldmanCFB) June 7, 2017The most shocking part about all of this is the timing. Stoops is calling it quits a week into June a few days after he made the in-state caravan rounds. That’s a little … bizarre. But it seems to have been motivated by the fact that Lincoln Riley is the next big thing.“It was with sadness that I learned of the decision of Coach Bob Stoops to step down as head football coach at Oklahoma,” said OU president David Boren. “Coach Stoops has made a critically important and lasting contribution to the OU football program. He has led to its restoration as one of the top programs in the nation. His success has helped provide the momentum for major new facilities like the improvements and expansion of the football stadium. Because of his unquestioned personal integrity and high standards, he is one of the most admired college football coaches in America.“His decision to step down at this time was motivated partly by his belief that he has the right successor already in place in the program, Lincoln Riley, and he wanted to pass the leadership on at a time of strength for the program. His decision is typical of his unselfishness and always putting first the best interest of the players and program.”Briefly spoke with two #Sooners on Bob Stoops retirement:”Don’t know what to say.””The campus is in shock right now.”— Nate Feken (@TheGreat_Nate) June 7, 2017 We will have more coverage throughout the day. Sources telling me Bob Stoops told the team “it was just his time to go” & that everything on the staff “will stay the same.” #Sooners @KFOR— Nate Feken (@TheGreat_Nate) June 7, 2017“I’m especially thankful for being able to coach so many talented young men over my 18 years here,” added Stoops. “It has been so rewarding to see these players come to OU and mature over a four or five-year career, and not just on the field. To play a small part in their growth is what I will always cherish the most.“None of my success would have happened without the best fans in the country. I can’t tell you how much I appreciated the 110 consecutive home sellouts. The passion of our fan base is unmatched, and their support has played a huge role in not only home games, but road games and all 18 of our bowl games, as well.“The coaching life is like a relay race and I’m thankful for my turn and am confident as I pass the baton. Carol and I intend on staying in Norman — it is our home. I will be available to Coach Riley and the athletic department in any manner. Thank you all for a lifetime of memories we shared together of 10 conference championships, the 2000 national championship, strong relationships with players and coaches, and the great Oklahoma football fans. Boomer!”Stoops finishes with a 190–48 record including 121-29 in the Big 12 and 14-4 against Oklahoma State. His only national championship came during the 2000 season in a win over Florida State in the Orange Bowl. While you’re here, we’d like you to consider subscribing to Pistols Firing and becoming a PFB+ member. It’s a big ask from us to you, but it also comes with a load of benefits like ad-free browsing (ads stink!), access to our premium room in The Chamber and monthly giveaways.The other thing it does is help stabilize our business into the future. As it turns out, sending folks on the road to cover games and provide 24/7 Pokes coverage like the excellent article you just read costs money. Because of our subscribers, we’ve been able to improve our work and provide the best OSU news and community anywhere online. Help us keep that up. Oklahoma head coach Bob Stoops will inform his team on Wednesday that he will retire after 18 seasons at the helm in Norman.Stoops will not coach the 2017 season.The retirement is not thought to be related to his health or anything regarding NCAA penalties for OU from the NCAA. Stoops, at age 56, just wants out after nearly two decades and two hands’ worth of Big 12 rings.“After 18 years at the University of Oklahoma, I’ve decided to step down as the head football coach,” Stoops said in a statement. “I understand there has been some speculation about my health. My health was not the deciding factor in this decision and I’ve had no incidents that would prevent me from coaching. I feel the timing is perfect to hand over the reins.“The program is in tremendous shape. We have outstanding players and coaches and are poised to make another run at a Big 12 and national championship. We have new state-of-the-art facilities and a great start on next year’s recruiting class. The time is now because Lincoln Riley will provide a seamless transition as the new head coach, capitalizing on an excellent staff that is already in place and providing familiarity and confidence for our players. Now is simply the ideal time for me and our program to make this transition.”As Stoops noted, offensive coordinator Lincoln Riley, age 33 (!), will take over, effective immediately, and he will not be an interim coach. He is the new head man at OU — which means his offseason raise to $1.3 million makes a little bit (or a lot) more sense.Bob Stoops is 56 & has won 10 Big12 titles. I’m told his reasoning for stepping down now is because he’s ready & he wants to “go live life.”— Bruce Feldman (@BruceFeldmanCFB) June 7, 2017last_img read more

A Look at Mike Gundy’s ESPN Schedule for Friday

first_imgMike Gundy’s first appearance today on SportsCenter. Questions about … hair, snakes, punters and Jet Ski passes. #okstate— Mark Cooper (@mark_cooperjr) July 21, 2017 Mike Gundy has made his first two ESPN stops after going on with Kenny Mayne and Barry Melrose on Thursday evening and hitting SportsCenter: AM on Friday morning with Linda Cohn and Co.Gundy will tour the rest of ESPN on Friday as he’ll be on multiple shows and do myriad interviews with ESPN personalities. Here are his officially scheduled interviews and radio appearances.Note: This is simply what is scheduled, and Gundy will likely partake in a variety of other interviews. All times Central.Live TVAdChoices广告6:45 a.m. – SportsCenter (ESPN)9:25 a.m. – First Take (ESPN)Taped TV3:30 p.m. – Highly Questionable (ESPN)4 p.m. – College Football Live (ESPN2)August 20 – Interview with Rece Davis (ESPN2)Radio11:30 a.m. – The Paul Finebaum Show1 p.m. — Freddie and FitzYou can listen to ESPN Radio here and watch his live hits here. Mark Cooper of the Tulsa World and John Helsley of The Oklahoman are both in attendance and will bring updates all day (as will @CowboyFB on Twitter).For us old-timers, the wall of catch phrases…— John Helsley (@jjhelsley) July 21, 2017 While you’re here, we’d like you to consider subscribing to Pistols Firing and becoming a PFB+ member. It’s a big ask from us to you, but it also comes with a load of benefits like ad-free browsing (ads stink!), access to our premium room in The Chamber and monthly giveaways.The other thing it does is help stabilize our business into the future. As it turns out, sending folks on the road to cover games and provide 24/7 Pokes coverage like the excellent article you just read costs money. Because of our subscribers, we’ve been able to improve our work and provide the best OSU news and community anywhere online. Help us keep that up.last_img read more

Video: Kentucky Basketball Players Baked John Calipari’s Wife Brownies For Her Birthday

first_imgA closeup of Coach Cal pointing.LEXINGTON, KY – NOVEMBER 21: John Calipari the head coach of the Kentucky Wildcats gives instructions to his team during the game against the Boston Terriers at Rupp Arena on November 21, 2014 in Lexington, Kentucky. (Photo by Andy Lyons/Getty Images)John Calipari draws the best high school basketball players to Lexington every season, but it is clear that his wife Ellen makes an impact on the young Wildcats as well. According to SEC Country‘s Alex Martin Smith, she bakes players brownies for their birthdays every year. Well, today is her birthday, so the Wildcats decided to flip the script, and bring her dessert ahead of tonight’s game against Illinois State.Brownies for the bday girl! Nice gesture from the players, who usually receive the same from Mrs. Cal on their bday— Kentucky Basketball (@KentuckyMBB) November 30, 2015Well done, Kentucky. We’re sure Coach Cal appreciates the hand in helping make his wife’s birthday a special one.[SEC Country]last_img read more

Michigan’s Maurice Ways Unveils Team’s New Jumpman Cleats On Twitter

first_imgA Michigan player holding new Jordan Brand cleats.Twitter/Maurice WaysAt midnight, Michigan and Nike officially became partners – kicking off an 11-year deal worth $173 million. Fans, as we noted earlier, flooded The M Den overnight to get their hands on new merchandise for the Wolverines. It looks like the Michigan football players have also gotten a look at some of the gear they’ll be wearing on the field this year.Two players – wide receiver Maurice Ways and safety Khaleke Hudson – have posted short videos of Jumpman cleats decked out in Michigan logos. Check them out:??? thank you for blessing us @Jumpman23 ??— Moe Ways (@MoeWays) August 1, 2016?— Khaleke Hudson (@KhalekeHudson) August 1, 2016Michigan’s full uniforms have yet to be unveiled. We imagine there will be great interest when that happens.last_img read more