The essential qualities of a team player 2 potx

Survey – Traits of Internal
Partnership Most Important?
1. Continuous communication
2. Shared sense of
mission/common goals
3. Understanding of CRA
commitment as potential
business opportunities
4. Trust/respect/dependability
5. People knowledgeable
about their area, not afraid
of difficult transactions
• Willingness to make joint
calls, ability to “buy-in”
and participate in joint
initiatives
• Customer-oriented
• Productive regular
meetings
• No fear of territorial
issues
Survey – Obstacles to Effective
Internal Partnerships?
• Individuals with attitude
that LMI business is not
worthwhile
• Lack of respect or
interest in CRA
obligation
• Time constraints
• Lack of communication

• Lack of appropriate
follow up
• Silos – getting all lines
of business to work
together
simultaneously
• Budget
• Lack of support staff
Survey – Key Issues Related to
Achieving Profitable Results
• Focusing on projects
that make good
business sense
• Being knowledgeable
about our complete
array of products,
coupled with
competitive knowledge
• Fostering real business
relationships for
sustainable solutions
• Appropriate products &
education in branch
• Originator buy-in
(lower loan $, difficult)
• HR issues related to
emerging markets
• Leveraging community
groups to reach more
• Utilizing secondary

market products for
long term success
More about “Collaborative”
• “Collaboration is
multiplication.”
• “Cooperation is
working together
agreeably.
Collaboration is
working together
aggressively.”
Maxwell says:
External Partners
“in the neighborhood!”
• Housing counselors
• Housing related non profits
• Small businesses
• Other employers
• Public service providers
• Governmental entities
•GSEs
• Real estate professionals
• Trade associations
Collaboration in Practice
• Specialty lending goals/business plans
• Homeownership preservation initiatives
• Employer assisted housing outreach
• Homebuyer seminar in a box
• Meeting neighborhood credit needs with
non traditional programs & underwriting,

including alternative credit, secondary cash
income, rehab options, & down payment
assistance