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Risk-Based lending

At Mark H. Smith, Inc., we specialize in assisting credit unions navigate the complexities of risk-based lending analysis. Our analysis solution provides clarity, customization, and compliance support to demonstrate profitability between credit risk tiers. We also provide risk-based market rates to support the loan pricing process.

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Optimize Risk-Based Pricing, Maximize Profitability, and Strengthen Examiner Confidence.

Credit unions thrive when they balance competitive loan rates with sound risk management. Our Risk-Based Lending Analysis provides a comprehensive and easy-to-use tool that helps credit unions analyze loan profitability by risk tier, ensuring informed and strategic lending rate-setting decisions.
risk base lending

01

Data-Driven Decision Making

Gain clear insights into how different credit risk tiers have historically contributed to loan profitability. This insight allows you to make informed risk-based lending decisions.

02

Customizable Credit Union Variables

Credit unions can customize variables to determine the relative profitability of their loan products by credit risk grade and score as well as the impact on the overall loan portfolio.

03

Regulatory Confidence

Meet examiner expectations with a structured and defensible approach to risk-based lending rate-setting analysis.

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MHSI Outsourced vs. In-House Software

Compare cost-effective outsourced solutions with customized in-house software. At MHS we help financial institutions evaluate options based on your unique operational needs, budget constraints, and growth objectives.
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What’s Included in Our Risk-Based Lending Solutions?

This powerful data tool can help your credit union fine-tune pricing, improve loan portfolio performance, and demonstrate robust risk analysis to examiners, all while delivering fair and competitive rates to all of your members. We offer two essential components that work together as a powerful integrated solution.

Risk-Based Lending Analysis

(Quarterly Updated Spreadsheet) This customizable tool allows your credit union to analyze historical loan profitability across credit risk tiers and loan products. The spreadsheet is updated quarterly with the credit union’s loan data and the following customizable variables:
  • Credit Rating Grade & Score Range: Identify relative profitability by credit tier.
  • Charge-Offs & Fees : Track losses, origination/processing fees, and other revenue factors.
  • Loan Expenses & Cost of Funds : Include servicing costs and incorporate funds transfer pricing.
These variables can be adjusted at the loan product and credit rating level, allowing for optimal customization. This analysis provides the clarity needed to refine lending strategies and improve portfolio returns.

Loan Risk-Based Market Rates (Online Module – Weekly Updates)

Stay ahead of the competition with real-time, risk-based market rates. This module allows you to compare rates across:
  • Credit Scores: View rates by borrower risk tiers.
  • Loan Products (33 categories): Analyze competitive pricing by loan type.
  • Geographic Market (State or National): Adjust rates based on location trends.
  • Financial Institution Type: Benchmark against banks and other credit unions.
Combining these analytics gives your credit union a dynamic and strategic advantage in risk-based lending.

Why Credit Unions Trust Us 

Personalized Service & Support

Think of us as your dedicated ALM specialist, always just a call away. We understand every credit union is unique, which is why we tailor our solutions to your specific needs, providing personalized support as if you had an expert on staff.

Results-Driven Solutions

Our approach delivers measurable value through customized solutions, not one-size-fits-all services. We're known industry-wide for going beyond expectations to help credit unions achieve their financial management goals.

Your Credit Union Specialists

We've exclusively served credit unions for over 40 years, giving us unmatched understanding of your unique challenges. Our ALM validation acknowledges that your IRR management program should match your size, complexity, and risk profile.

What Our Clients Say...

I wanted to reach out and tell you how much I appreciate your support and knowledge. Thank you for your continual support and partnership.
Rick M. /CEO
CU Asset Size – $133 Million

What Our Clients Say...

Thank you so much. This is exactly what I was looking for. We really appreciate our relationship with Mark H. Smith and company.
Matt F. /CFO
CU Asset Size – $180 Million

What Our Clients Say...

I just have to say…I have always received the best service from every single Mark Smith employee!! Very happy with you as a vendor of ours!!
Joette D. /CEO
CU Asset Size – $35 Million

What Our Clients Say...

It’s like you read my mind. I appreciate the updated copy – thanks for continuing to make the policy relevant.
Cindy D. /CEO
CU Asset Size – $155 Million

What Our Clients Say...

Thank you very much for your presentation yesterday to our ALCO and BOD. Your presentation made it much easier for many of us to understand what can be a very complicated/complex topic. I find that each quarter that we work with your organization, we become more knowledgeable and informed as to what our risks are. So thank you very much.
Kevin M. /Accountant
CU Asset Size – $43 Million

What Our Clients Say...

Thank you for spending time on these worksheets and calculations… I’m only half-joking when I say, “when I grow up I want to be like the team from MHS”. I really appreciate your knowledge and expertise, but most of all, your willingness to help others in our community of credit unions.
Rose J./Manager Financial Planning
CU Asset Size – $100 Million

What Our Clients Say...

I really appreciate the good job your team does for us. Your company is my favorite vendor 😊
Matt F. /CFO
CU Asset Size – $180 Million

What Our Clients Say...

It’s this kind of Service that keeps us with you Mark Smith. Thank you very much !!!
Paul L. /CFO
CU Asset Size – $240 Million

What Our Clients Say...

I’ve made contact with the references you gave to me – each gave your company an A+ on your services and support.
Melissa M. /CEO
CU Asset Size – $18 Million

What Our Clients Say...

Thank you for making time to discuss our IRR yesterday. The examiner complimented the reports and was satisfied with my responses. I appreciate the time and attention to this.
Jennifer W. /CEO
CU Asset Size – $77 Million

Ready to Strengthen Your Credit Union’s Financial Strategy?

Gain clarity and confidence with expert ALM insights, regulatory support, and data-driven decision-making. Let’s discuss how our solutions can support your institution’s success.
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FAQ

Questions? We’ve got answers.

Looking for more information? Visit our FAQ page for answers to common questions, or feel free to contact us below if you need further assistance. We’re here to help!
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