Risk Based Lender
"The Credit Union Solution"






David R. Miller, the developer of "Risk Based Lender- The Credit Union Solution", has been the CEO\General Manager of the Health Employees Federal Credit Union--a 5800 member credit union in Albany, NY, since 1976.  In 1978, he developed a risk scoring package called the Internal Loan Scoring (ILS) system, which was used to determine the likelihood of serous delinquency and/or default.  This program was very successful and is still used by many credit unions today. 

In 1996, he decided to replace the ILS system with a "dual risk scoring" system that also utilized tiered-rate pricing.  The dual risk score matrix was designed to measure the likelihood of serious delinquency and bankruptcy default -- while the tiered-rate pricing was used to overcome the short-comings of single-rate lending program. The two individual risk scores were thoroughly tested and blended into a cohesive matrix in order to optimize results.  Although the system can be (and is) used with only one risk score, he prefers the dual score as it provides a more three-dimensional snapshot of the applicant.

Contact Information

Mailing Address: Risk Based Lender, LLC
David R. Miller
26 Locust Drive
Voorheesville, NY  12186
Telephone: (518) 262-3096
Fax: (518) 262-4296
Email: click here for email address

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What other credit unions are saying:

"From the first page of your Risk Based Lender - The Credit Union Solution, I was hooked!  Saying that you have mastered risk based lending would be an understatement.  Thank God you have crammed your endless research into one perfect package for credit unions..."

Robin Simpson
Lanier Federal Credit Union

"I think your program is the most comprehensive and understandable of all of the RBL plans I have come across.  Thanks for a program that keeps it simple."

Ted Glunt
Altoona Postal Employees Credit Union

"I have to give you an update on your program.  We are 100.1% loaned out, our delinquency ratio is .16%, and we're making money hand-over-fist.  The members love the program and so do we.  Thanks again!"

Joan E. Wagner
Saratoga Springs Federal Credit Union

"Having managed  this credit union for 21 years, I was appreciative of your approach to the issues as well as the clear and concise way that the material and method was presented."

Wendy Bailey
Dor Wic Federal
Credit Union

"After a year of using the matrix, our turn around time is quicker, all loans use the same criteria, and we're able to lend to members that may not have gotten loans before. Thank you Dave for all your help."

Gail Isles
Falls Federal Credit Union





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