Credit Union Partners

 

Expanding your commercial lending capabilities while maintaining sound risk management requires the right strategic partner. Cooperative Business Services (CBS) specializes in helping credit unions grow commercial loan portfolios. As an industry-leading credit union service organization (CUSO), we provide access to shared expertise, proven technology, and a collaborative nationwide network. With CBS, you partner with a CUSO that understands credit union culture to diversify your portfolios and provide exceptional service to your members.

A True Credit Union Lending Partnership

The CBS credit union commercial lending partner model invests in your growth. Unlike traditional vendors, we operate as an extension of your team, sharing both the work and rewards of building a thriving commercial lending program:

  • Collaborative model: Work directly with our team to build solutions that fit your institution’s unique goals, member base, and risk tolerance.
  • Shared success: Align with a CUSO partner that succeeds only when you succeed, creating a true partnership that exceeds traditional vendor relationships.
  • Comprehensive support: Access expert end-to-end support and specialized commercial lending services, covering everything from origination and underwriting through servicing and portfolio management.

Solutions to Compete and Grow

Our CUSO partner program helps your credit union compete in the commercial lending market while controlling costs. We provide the tools and network access you need to buy, sell, and participate in commercial loans of any size or scope. Join our network to:

  • Expand your service offerings: Deliver a full suite of commercial lending products, including commercial real estate and SBA loans, without building costly internal infrastructure or hiring expensive specialists. 
  • Increase loan origination: Leverage our Shared Business Development Officer (SBDO) program to generate qualified leads, develop relationships, and close more deals faster.
  • Access a national network: Buy or sell loan participations with a network of more than 150 credit unions to manage concentration risk, deploy excess capital strategically, and serve members who need financing beyond your hold limits.

Technology for Unmatched Oversight and Compliance

The ExRA loan portfolio management platform provides the data and reporting needed to manage your portfolio with confidence. Use our purpose-built technology to:

  • Stay ahead of compliance: Generate standardized, repeatable reports that regulators recognize and trust, helping you face regulatory examinations with confidence. 
  • Support CECL recommendations: Use integrated tools designed to help inform and automate your allowance for credit loss calculations, reducing manual workload and supporting your final determination.
  • Empower your leadership: Provide your board with a single source of truth using unified dashboards that offer a clear, real-time view of your entire commercial portfolio.

Hear From Our Credit Union Partners

Credit unions across the country rely on CBS to strengthen their commercial lending programs. Our partner network includes more than 150 credit unions that have experienced measurable growth through our collaborative and scalable partnership model. See what clients have to say about the measurable impact of a CBS partnership.

Become a CBS Partner

Join CBS’ growing network of credit unions building stronger, more profitable commercial lending programs. Expand your services, manage risk, and deliver greater value to your members. Contact us today to learn more about our CUSO partnership program.

 

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