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Our VP of Lending has set stringent lending parameters. I’ve supported this. The board supported this. We turned down loans other credit unions accepted. Now we are seeing the impact with declining use of our products by our members. Our members have many products at other local credit unions and banks. What can we do to get these members to use our products again?

I’ve recently been hired to a CEO position for a credit union that has several turn-around issues. My second in command is unwilling or unable to get his departments to get on board with the turn-around. I want to give the person every chance to succeed. What should I do?