As one of Colorado's oldest CU's, Westerra Credit Union (WCU) has grown to become a powerhouse in the region. Being that WCU is also part of the Co-Op family of credit unions, the daily business was anything but normal.
Outside of the basic transaction requests, a staffer needed to know not only the general rates of all WCU products, but that of our local competitors in order to persuade and maintain a satisfactory level of referrals. Knowledge and the ability to sell is key here when being asked to produce.
There is a vast lack of education on product's. The training department holds boot-camp style education sessions in hopes of building up knowledge among the branches, but this fails due to the lack of sales training. Management has pushed harder for auto-recapture programs (being secured debt), but the underwriters make it difficult to process, requesting higher credit scores and higher amounts of income - but that is not whom we serve anymore.
Management as a whole lacks the ability to effectively manage. Directors and Management above Regional hardly visit the branches, there is little-to-no knowledge as what their positions are accountable for, and when there is an emergency, most of these officers just pass the buck to someone else.
Paid holidays, and decent dental program
Medical insurance, Management, Slow-to-change, Underwriters need to be more flexible