The Effective High-ROI Alternative to Branding [VIDEO]

by Shaun Heuerman | Mar 2, 2023 | Increase Net Interest Margin, Sales & Marketing

I believe you can and should be paid more for what you do. In this episode, I’m going to show you a few ways to highlight your USPs—“differentiating value”—the right way in your sales process. Customers will sit up and pay attention…and you won’t lock yourself into a...

Who Made Up THAT Rule? [VIDEO]

by Shaun Heuerman | Feb 9, 2023 | Deposits, High Quality Loans, Increase Net Interest Margin, Profitability and Growth, Sales & Marketing, Strategic Planning

Everyone has patterns of disbelief. Some people believe that in politics, there is one side or the other, and they’re unwilling to look at the alternative. Still others believe that the moon is made of cheese. You may have a belief system that’s true. You...

Make This the Year NIM Stands for Nothing Is IMpossible

by Shaun Heuerman | May 26, 2022 | Increase Net Interest Margin

I’ve been in banking for more than 30 years. Recently, I tried to estimate how often I’ve heard a community bank CEO say, “No matter what we do, we can’t get our NlM out of the 3s. It’s impossible.” It turns out that I can’t estimate it. The...

Why Loan Pricing Can Be An Extreme Differentiator

by Shaun Heuerman | Oct 21, 2021 | Consulting, Fast and Low-Risk Loan Growth, High Quality Loans, Increase Net Interest Margin, Sales Process, USP

I don’t think we’ve ever seen loan pricing competition like we’re seeing right now, and I don’t think it’s over. I think it’s going to get much worse through 2022. So, what do you do in terms of creating some loan pricing strategies that allow you to command premium...

Who Made Up THAT Rule? [VIDEO]

by Shaun Heuerman | May 20, 2021 | Deposits, High Quality Loans, Increase Net Interest Margin, Profitability and Growth, Sales & Marketing, Strategic Planning

Everyone has patterns of disbelief. Some people believe that in politics, there is one side or the other, and they’re unwilling to look at the alternative. Still others believe that the moon is made of cheese. You may have a belief system that’s true. You...

How to Attack the Root Cause of Net Interest Margin Compression

by Shaun Heuerman | Dec 31, 2019 | Increase Net Interest Margin

The constant “need” to match rates to win a deal is a symptom, not the cause of the net interest margin crisis in banking today.   The cause is much more profound. It’s inside each of your lenders, and it may be inside of you. Frankly, it’s not your fault (or...