Thank you for giving us something more than the "shotgun" approach.
– Frank Rotellini, President, Sheridan, WY office

Common sense approach focusing on results. Easy to use pricing models.
– Bruce G. Hodge, Vice President

Beneficial experience for lenders of all abilities. An eye opener for some. Brought a discipline to our pricing function.
– F. Donavon Kuehnast, President

You and your service really brought value to the table.
– William Rountree, Jr., President and Chief Executive Officer

You provided an unbiased view of pricing and take away the human/relationship element. Added level of discipline to pricing and rate setting.
– Brigham Tubbs, President

You were attentive to and skilled at overcoming lender objections.
– Mike Bonsey, Bar Harbor Banking & Trust Company

You met and exceeded our expectations regarding the scope of services in the A/L area. Your willingness to work with new personnel and the Profitability Committee on an ongoing basis is of great value.
– R. Thornwell Dunlap, III, President

Margin management recommendations are objective, easily understood and easily implemented. Internal “buy-in” is simple because ideas are based on logical, market based facts. They take the subjectivity out of using the “Across the Street” pricing index.
– Sam B. Hay III, Chairman/CEO

You have delivered everything that you’ve promised. USBA helped us evaluate our pricing methods, particularly on deposits, and we are becoming more disciplined and more profitable as a result of that discipline.
– Joe Van Tol, Chairman/President/CEO

USBA has an unusual ability to take big picture detail and reduce it down to information that can be used to help improve margins. Ability to present complex data to the management group, helping everyone see macro as well as micro issues.
– Ken Heiser, President/CEO

My experience with USBA has been tremendous. The guidance I have been given has helped me to perform my job more effectively and the tools I have received help make my job more objective and less subjective.
– Robert M. Smith, Executive Vice President

USBA handles objections and obstacles in a very business like approach.
– Scott Wiggers, President

I think the training sessions are more valuable than the model.
– Ed Garding, President and CCO, Billings Office

It fine tuned our deposit pricing process by formalizing the system of review & feedback. It gave business justification to product modifications that had been rejected previously as being "operations driven."
– Dean Tingey, Operations Division Manager

Using the module has been an eye opener. In some cases, loans that I thought would be profitable, were not. The module gives you a way to play with the terms to make a deal work.
– Regina R. Miller, Senior Vice President