New Product Development

Developed new high LTV Lot loan purchase program for pre-construction loan market segment.  After implementation, was successful in generation of higher interest loans and resulted in no delinquencies over a 5 year period.

Developed and implementation of low down payment purchase program that required no monthly MI from the borrower.  Generated over $20MM in new mortgage business in the 1st year with higher interest yields and no delinquency.

Development of new home equity lending program with higher CLTV limitation products, mitigated by equity insurance.  Customized branding and marketing to elevate customer experience.

Development of smaller unsecured home improvement loans up to $25K, generating higher interest returns and fee income on consumer loan products.  Provided additional benefit as cross promotional product for small business customers in the home improvement segment.