Rising vehicle prices, longer loan terms, and shrinking margins. As credit unions adapt, standing out requires more than competitive rates. It takes consistency, clarity, and a lending team built for speed and service.In this episode, host Barry Roach sits down with Adam Brice, Chief Lending Officer at EFCU Financial, to unpack how his team reimagined consumer lending from the ground up. From creating a centralized loan contact center to balancing common sense with emerging tech, Adam shares what it really takes to grow a high-performing, resilient lending strategy.Join us as we discuss:

• What happens when you move your best loan officers out of branches.
• How EFCU maintained low charge-offs while doubling down on auto.
• The ripple effects of extended terms and negative equity.
• How AI can strengthen, not replace, sound underwriting.
• Why NIL deals and financial literacy can drive deeper community impact.