United States

Identifying loan process enhancements to contain costs and enhance revenue


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With the slow pace of economic recovery and the subsequent thin margin environment, banks and credit unions are under increased pressure to do whatever they can to increase revenue and control operational costs. While larger banks may find opportunities to reduce expenses through branch consolidation and staff reductions, this option may not be available to many institutions where resources are already stretched to the breaking point.

So where do financial institutions look to find those innovative ideas that control expenditures and lead to growth? Before considering downsizing, management should look into some ‘on the shelf’ initiatives within reach that have a considerable potential to contain costs, enhance performance and as a result have a meaningful, positive impact on the financial performance and growth of the institution.


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