Leaders in Lending

The release of Chat GPT has spurred all sorts of conversations and speculation on where the technology is taking humanity- and if this is a cause for alarm or celebration. In the banking industry leveraging the new advances in AI can increase lending accessibility and customer experience.


Tim Shangle, Innovation and Data Analytics at ChoiceOne Bank and a member of the American Bankers Association's Emerging Leaders Council, is all about the use of AI to develop breakthrough tactics to make lending more efficient and personal.

Join us as Jeff and Tim discuss:

• Practical applications of Chat GPT
• Innovation to scale and innovation to time
• Data as the new oil
• Remembering the people behind the data

Want to learn more about how Upstart partners with credit unions? Check out this case study mentioned in the episode.

Credit Unions are already known for their personal service, but what happens when you double or triple in size. Does bigger need to mean less personal?

Recently named American Bankers Credit Union Executive of the Year, Bruce Foulke, CEO & President of American Heritage Federal Credit Union, spoke with our host, Jeff Keltner, about retaining personalized service during times of growth.

Join us as Jeff and Bruce discuss:

• Foulke’s experience through 55 credit union mergers
• Maintaining a direct line to the members (even as a CEO)
• American Heritage’s employees’ charitable work and Foulke’s efforts to assist Ukraine

Want to learn more about how Upstart partners with credit unions? Check out this case study mentioned in the episode.

Turning your perceived competitor into a partner is not a new strategy, but leveraging partners in the digital financial space to gain a competitive edge is increasingly important.

In this episode, Curt Queyrouze, President of Coastal Community Bank, talks about his experience working with multiple partners and gaining an understanding of how these partnerships work best for everyone involved.

Join us as Jeff and Curt discuss:

• Advice for banks and credit unions in the fintech space
• What a metaverse banking experience looks like

Want to learn more about how Upstart partners with credit unions? Check out this case study mentioned in the episode.

Fears of a recession and high interest rates have persisted into 2023. Now, lenders are determining how to maintain their competitive advantage with consumers despite economic downturn.
This year, we are bringing back guests to test how well their bold predictions have held up in recent months, and to see what other insights they have on the macro economy for the year ahead.

In this episode, Barry Roach, Senior Account Manager at Upstart, shares his particular outlook on the macro economy and what this means for strategic moves lenders can make to gain a competitive edge.

Join us as Jeff and Barry discuss:

• Digital banking is more efficient, but branches are still here to stay
• Data driven strategies
• Barry’s particular optimistic outlook for overall growth

The investments in technology that banks and financial institutions are making today are preparing consumers to manage their finances in a more meaningful way. They are approaching technology in terms of solving problems for their consumers and transforming the way that they use their financial services providers. But where else is digital banking taking us in the future?In this episode Lindsey Johnson, President and CEO of the Consumer Bankers Association, shares the changes and accomplishments that she has made this past year and what to expect in 2023.Join us as Jeff and Lindsey discuss:

• Fighting fraud effectively in banking industry
• The evolving role of the branch
• The role fintechs are increasingly playing in the banking industry

Want to learn more about how Upstart partners with credit unions? Check out this case study mentioned in the episode.

The banking industry is increasingly leveraging innovations in alternative data to underwrite loans for both consumers and small businesses. This can make a huge impact in communities that Minority Depository Institutions and Community Development Financial Institutions serve.In this episode, Michael Pugh, CEO of Carver Federal Savings Bank, discusses how to support small businesses better and serve communities by developing programs based on improved data analysis.Join us as Jeff and Michael discuss:

• Roles of MDIs and CDFIs in helping communities grow businesses
• The importance of capital access for underserved business owners
• Understanding the voice and perspective of members who have difficulty accessing capital

Want to learn more about how Upstart partners with credit unions? Check out this case study mentioned in the episode.

Credit Unions, at their core, have a strong commitment to service. But how do you scale the concept of serving your members to the broader community — even to the wider world of financial services? Our guest today believes that if you serve people passionately, you will ultimately move the entire industry forward toward more inclusivity and equity. In this episode, Renée Sattiewhite, President & CEO of the African American Credit Union Coalition, highlights her strategies for driving equity and bridging the racial wealth gap, addressing the housing and credit disparities, and ensuring access and fairness. Join us as Jeff and Renée discuss:

• Background of the African American Credit Union Coalition and its goals
• The scalability of service to your staff and members
• How to address equity gaps in the traditional banking system
• Overcoming bias through community representation

Want to learn more about how Upstart partners with credit unions? Check out this case study mentioned in the episode.

Credit unions promise their members more than a traditional bank, but communicating and marketing your expertise is not always easy in a crowded market. In this episode, Karrie Drobnick, Chief Operati ng Officer at Verve, talks about growing and rebranding their credit union to spur robust growth. She also talks about creating a new personality of the company and then translating that into a better experience for members. Join us as Jeff and Karrie discuss:

• Their use of a recognizable and relatable spokesperson
• How incentives can drive both good and bad behavior for sales teams
• Where the opportunities in blockchain are for lending and financial services

 Want to learn more about how Upstart partners with credit unions? Check out this case study mentioned in the episode.

Dave Girouard, Co-Founder & CEO at Upstart , believed that young people were "potential rich yet cash poor"—and that dynamic caused them to make poor financial decisions for themselves and the economy as a whole. There had to be a better way to provide people with affordable access to credit, on reasonable terms, when they needed it. Using AI and machine learning provided that new way forward. In this episode, Dave shares how the company came to be and how Upstart provides transformative access to credit for all. We discuss:

• The problem statement for Upstart and the choice to venture into unsecured consumer loans
• The application of AI in the credit process
• The choice to partner with financial institutions
• Adding value in auto, small business, and mortgage loan spaces

Banks can no longer afford to play it safe when it comes to their digital capabilities. “Safe” is now risky. That’s why, in this episode, Tony Hejna, EVP, Con sumer Bank Chief Credit Officer at KeyBank, joins the show to share the secrets behind moving fast (without breaking things) and maintaining an edge in a highly regulated and increasingly competitive landscape. Join us as we discuss: - The 3 rules of job satisfaction - Why staying safe is risky - "The importance of a robust technology infrastructure" - The threat and opportunity with open banking