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  • Does your credit union’s collection reporting stack up?

    first_imgHow do you know if your organization’s collections efforts are successful and how they compare to similar organizations? Like any functional area, it’s important to measure your organization’s collections success so you can evaluate your current system and make changes with an eye toward improving results.To assess the success of your collections, you must have a thorough reporting system in place; without effective reporting, it’s impossible to judge results objectively and pinpoint issues. Here are the elements you’ll find in an effective collections report:Penetration rate (number of contact attempts/number of accounts)The penetration rate tells you how many times your collectors are attempting to contact a debtor. A penetration rate of 1 or 100% is ideal because that would mean your collectors are attempting to contact each debtor only one time.Right-party connection rate (number of correct debtors found/number of overall attempts to contact)The right-party connection rate measures how often your collectors are reaching the correct party and, therefore, is a gauge of how much time your collectors spend on phone calls that have no chance of resulting in payment. It’s reasonable to expect collectors often must call around before finding the right debtor, but if your report lists a right-party connection rate of less than 10% (0.1), you should view this as an efficiency issue. In such a case, your collections team should change how they establish identity and search for contacts.Conversion percentage (number of accounts in collections that resulted in promise to pay or payment/total number of accounts in collections)Conversion percentage provides a simple measurement of the overall effectiveness of your collections operation. With it, you can see the percentage of delinquent accounts that have promised to pay or made a payment. Since payment is the end goal of your collections efforts, you should scrutinize your team’s conversion percentage regularly, using it as a key measure of success.Balances impacted (number of delinquent accounts that have made payment toward balance)Balances impacted is another useful number that helps you measure the overall effectiveness of your collections operation because it reports the number of delinquent accounts that have made a payment. By viewing balances impacted, you can see the number of times your collections team’s efforts brought in actual dollars.Your collections team requires a lot of effort, organization, and labor. How do you know whether those investments are paying off? Make sure your team is as efficient and effective as possible by regularly monitoring available measurements. For help figuring out when to use your own team or outsource collections, check out our ebook, Collections: To Outsource, or Not to Outsource, That is the Question.  0SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Brian Croom As Assistant Vice President of Operations at SWBC, Brian Croom is responsible for systems and processes related to collections, collections workflow, and reporting. Brian brought ten years of call center … Web: https://www.swbc.com Detailslast_img read more

  • Update on the latest in sports:

    first_imgUpdate on the latest in sports: — Houston ace Justin Verlander says the groin tightness that has slowed him this spring is no longer worrisome. Verlander made his Grapefruit League debut on Tuesday, throwing 2 2/3 innings against the Cardinals.— St. Louis pitcher Andrew Miller will be sidelined for an undetermined amount of time as he tries to regain the feel for his pitches. The two-time All-Star and 2016 ALCS MVP with Cleveland says there’s no pain, but that his release simply doesn’t feel right. Miller says the issue contributed to his disappointing 5-6 record and 4.45 ERA last year. — The Italian Cup semifinal between Juventus and AC Milan scheduled for Wednesday in Turin has been postponed indefinitely as part of measures to stop the spread of the virus outbreak in Italy. Over 50 people have died and more than 2,000 have been infected in Italy by the COVID-19 virus.MLB-NEWSSale has elbow sorenessUNDATED. (AP) — The Boston Red Sox say starter Chris Sale has undergone an MRI after experiencing soreness in his throwing elbow.Manager Ron Roenicke said Sale felt the soreness in his elbow Monday morning, the day after his 18-pitch batting practice session. Sale missed the last seven weeks of last season due to elbow inflammation, finishing the year 6-11 with a 4.40 ERA in 25 starts. UNDATED (AP) — The NCAA is ruling out no contingencies when it comes to coronavirus and the NCAA Tournament.In an interview with Bloomberg News, Chief Operating Officer Donald Remy did not dismiss the possibility of games being played with no fans in arenas. The games presumably would still be televised.The NCAA declined further comment to the AP on the possibility of no fans in the stands. Also, the NCAA announced it has established a coronavirus advisory panel of medical, public health and epidemiology experts and NCAA schools.TOKYO GAMES-POSTPONEMENT?Japan Olympic minister says games could be held any time in 2020 Caris LeVert pumped in a season-high 51 points and the Nets halted a four-game losing streak by outlasting the Celtics, 129-120 in overtime at Boston. Brooklyn erupted for 51 points in the fourth quarter to erase a 17-point hole before outscoring the Celtics 11-2 in OT.Timothe Luwawu-Cabarrot added 16 points and eight rebounds off the bench as the Nets moved a half-game ahead of Orlando for seventh place in the Eastern Conference.Jaylen Brown finished with a team-high 22 points and Kemba Walker had 21 for the Celts, who fell one game behind the Raptors.Checking out Tuesday’s other NBA action:— Dejounte (deh-ZHAHN’-tay) Murray scored 21 points and the Spurs gave Tim Duncan his first victory as an acting head coach with a 104-103 victory at Charlotte. San Antonio longtime coach Gregg Popovich missed the game while dealing with “personal business,” according to the team. Forbes added 15 points for the Spurs, who trailed by 17 in the first half. NBA-NEWSKyrie Irving has shoulder surgeryUNDATED (AP) — Kyrie Irving has undergone surgery to repair the injured right shoulder that ended his first season with the Brooklyn Nets after just 20 games.The Nets say the procedure to relieve the impingement was performed Tuesday at the Hospital for Special Surgery. The team says Irving is expected to make a full recovery.Irving began having trouble with the shoulder as he worked to get back in shape after another injury in the preseason. He missed 26 games before returning in January. Share This StoryFacebookTwitteremailPrintLinkedinRedditNBA-SCHEDULENets end skid, stop Celts from catching RaptorsUNDATED (AP) — The Brooklyn Nets propped up their fading NBA playoff hopes while preventing the Boston Celtics from moving into a first-place tie in the Atlantic Division. March 3, 2020 Associated Press center_img T25 MEN’S BASKETBALL-SCHEDULESpartans beat Nittany Lions, catch TerrapinsUNDATED (AP) — Michigan State has pulled into a first-place tie with Maryland in the Big Ten.The 16th-ranked Spartans are 13-6 in the conference after turning a 19-point, first-half deficit into a 78-71 victory at No. 20 Penn State. Xavier Tillman Sr. scored 23 points and had 15 rebounds for Michigan State, which trailed 46-31 at intermission before scoring the first nine points of the second.Rocket Watts added 18 points, Cassius Winston had 14 and Aaron Henry scored 12 for the Spartans. — Brayden Schenn broke a 1-1 deadlock midway through the third period before the Blues completed a 3-1 victory over the Rangers. Jaden Schwartz added an empty-netter and set up the deciding goal as St. Louis won its eighth in a row to expand its lead in the Central Division to three points over Colorado. The Rangers remain seventh in the Metropolitan Division after their third straight loss.— The Penguins ended their six-game losing streak as Sidney Crosby scored and collected his 800th career assist in their 7-3 rout of Ottawa. Bryan Rust collected his third career hat trick for the Penguins, who tied a season high in goals and ended their longest slide in eight years. Pittsburgh defenseman John Marino scored 48 seconds into his return after missing 11 games due to facial surgery— The Islanders continued their slide out of the Eastern Conference playoff berth with their fourth straight loss, 6-2 against the Canadiens. Joel Armia (ahr-MEE’-uh) and Brendan Gallagher each had a goal and an assist as Montreal beat New York for the sixth time in seven games. Carey Price needed to make just 20 saves and blanked the Islanders until Brock Nelson made it 4-1 with just under 14 minutes left.VIRUS OUTBREAK-NCAA TOURNAMENTAn NCAA Tournament with empty arenas? It can’t be ruled out Irving signed with Brooklyn in July along with Kevin Durant, who is recovering from surgery to repair his Achilles tendon.In other NBA news:— The Pistons say guard Derrick Rose suffered a sprained right ankle during the first quarter of Sunday’s loss at Sacramento and is expected to be re-evaluated in two weeks. The 31-year-old Rose is averaging 18.1 points over 50 games this season, his highest scoring output since 2011-12. He was the NBA’s Most Valuable Player in 2010-11 but hasn’t played more than 66 games in any season since.— Suns forward Kelly Oubre (OOL’-bray) Jr. will miss at least four weeks after having surgery to repair a torn meniscus in his right knee. Phoenix has gone 0-3 while the 6-foot-7 Oubre sat out because of the injury. Oubre ranks third on the team with 18.7 points per game and is averaging 6.4 rebounds.— Spurs coach Gregg Popovich is missing tonight’s game against Charlotte due to personal business. The team announced former Spurs star and assistant coach Tim Duncan would step in as head coach. Popovich is expected to return for San Antonio’s next game against the Nets on Friday night. Will Hardy said he and fellow assistant Becky Hammon would collaborate with Duncan. TOKYO (AP) — Japan’s Olympic minister says the contract to hold the Tokyo Games only specifies the event has to be held during 2020.Seiko Hashimoto’s response to a question in the upper house of parliament implies the Olympics could be held later in the year and would not have to start on July 24 as planned.The issue of a delay follows the fast-spreading virus that has been blamed for 12 deaths in Japan and has shut down most schools, sports competitions and Olympic-related events in the country. The virus that started in China has been detected in at least 70 countries, with 90,000 cases and 3,100 deaths reported.IOC officials and Tokyo organizers have repeatedly said they expect the Olympics to open on schedule.In other outbreak sports concerns: UNDATED (AP) — The Boston Bruins have added two more points to their lead in the NHL’s Atlantic Division by notching their third straight win.Brad Marchand and Jake DeBrusk provided power-play goals in the Bruins 2-1 triumph at Tampa Bay. Marchand opened the scoring in the last minute of the opening period and DeBrusk doubled Boston’s lead midway through the second.Tuukka (TOO’-kah) Rask stopped 20 shots and blanked the Bolts until Mitchel Stephens notched a short-handed goal late in the second period.The Bruins lead the division by nine points over the Lightning and pace the entire NHL with 96 points.Elsewhere on NHL ice: Sale already was slated to start this season on the IL after reporting to camp with pneumonia.In other MLB news:— Carlos Carrasco made his first start for Cleveland since last May, allowing two runs over two innings against the Angels. He was diagnosed with chronic myeloid leukemia last May and missed three months while undergoing treatment. He returned to pitch 15 innings of relief in September.— An arbitrator has accepted Cubs president of baseball operations Theo Epstein’s rationale for delaying Kris Bryant’s debut at the start of the 2015 season. The ruling was that there was no proof of “a nefarious motive” by Epstein to delay the third baseman’s eligibility for free agency. The decision accepts Epstein’s explanation that injuries to Mike Olt and Tommy La Stella prompted the timing of Bryant’s call-up to the Cubs in April 2015. Had Bryant been brought up one day earlier, he would have been eligible for free agency after this season.—Yankees outfielders Aaron Judge and Giancarlo Stanton are likely to miss the team’s season opener at Baltimore on March 26 because of their injuries. Judge is having more tests to determine the cause of soreness in the right pectoral area near his shoulder. Stanton strained his right calf last month. The Terrapins lost for the third time in four games as Jacob Young came off the bench to score a team-high 17 points in Rutgers’ 78-67 win against Maryland. Montez Mathis added 15 points and Gio Baker had 11 as the Scarlet Knights snapped a three-game losing streak and improved to 19-11 overall.Jalen Smith had 16 points and 10 rebounds for Maryland, while teammate Anthony Cowan added 19 points. But the Terps shot a horrendous 6 of 32 from 3-point range, including 2 of 16 in the first half.The Spartans and Terrapins will have company atop the conference if Wisconsin and Illinois win their next games.NHL-SCHEDULEBruins nip Lightninglast_img read more

  • MLAX : SU defense keys on stopping near ‘flawless’ game of Cornell attack Pannell

    first_img Published on April 11, 2011 at 12:00 pm Contact Chris: [email protected] | @chris_iseman Facebook Twitter Google+ When the Syracuse defense watched film of Cornell’s offense, one player stood out more than any other. Rob Pannell’s all-around abilities were so evident that the question of how to stop him had no easy answer.In so many ways — scoring, dodging or passing — he can beat a defense. And to SU defender Brian Megill, Pannell as a player is nearly ‘flawless.’‘His IQ of the game, it’s phenomenal,’ Megill said. ‘The way he dodges with his eyes up, the way he can work into a transition game or fastbreak. … His all-around game is almost flawless.’No. 1 Syracuse (9-0, 2-0 Big East) will attempt to stop Pannell and the rest of the Big Red attack Tuesday when it takes on No. 5 Cornell (8-2, 4-0 Ivy) at the Carrier Dome at 7 p.m. Pannell is the catalyst of the Big Red’s high-scoring attack, as every other Cornell scorer waits to take one of his passes to have the chance to put the ball in the cage. That’s how Pannell has racked up 28 assists on the year, and he also has 27 goals to match.Syracuse’s defense has been challenged all season and forced to shut down other teams’ offenses while the Orange struggles to score. When it goes up against Cornell, that’ll be no different.AdvertisementThis is placeholder textThe Big Red averages 13 goals per game on the season and 14 in its last five games. Pannell is the team leader in goals, and attack Steve Mock is right behind him with 21. But most of the focus will fall on Pannell because if SU can shut him down, then it has a better chance of shutting down Cornell’s entire offense.The junior is first in the nation in points per game with 5.5 and second in the nation in assists. Syracuse’s defenders said they are going to look to keep their sticks in on Pannell’s hands, not letting him make any easy passes.But that still leaves his dodging ability. Unfortunately for the Orange, it can’t take away both his efficient passing and dodging at the same time.‘Over the past couple of years, he’s turned into a very good dodger, so it’s a double-edged sword,’ SU head coach John Desko said. ‘You can’t just play him as a feeder. You can’t just play him as a dodger. So he’s got a very complete game.’One of the things that makes Pannell such a good dodger is that he keeps his head up and his eyes focused on exactly where he plans on moving. With such good vision of his destination, he’s able to get around most of his defenders with relative ease.When asked how to stop Pannell, Megill didn’t have to think too hard before giving a quick answer: John Lade. But that’s assuming Lade can play. It’s no guarantee, as the defender is still recovering from an ankle injury he suffered in SU’s game against Duke last week. Desko made a game-time decision to keep him out of the lineup against Princeton on Saturday.Desko said it will come down to another game-time decision Tuesday.‘We pretty much left it up to John,’ Desko said of the Princeton game. ‘We’re a little miffed that he still had some swelling in there. We expect him to play in the game.’If Lade’s out, then the Orange will have to adjust early to look for other ways to contain Pannell. That could mean sliding to cover him, but Megill said SU won’t call for a double team because of the other goal scorers Cornell features. With Pannell, Mock or midfielder David Lau, who has 18 goals, the Big Red has a proficient scoring trio.If Lade does play, something even he isn’t sure about, then Syracuse can look forward to having arguably its best defender cover Pannell. Lade said Cornell, unlike most teams this season, won’t slow down its tempo against the Orange. Instead, the Big Red will simply look for its best opportunities to score.‘They know they have a very strong nucleus with Rob Pannell,’ Lade said. ‘I think they look for him to spark the offense. I think they’re not really going to slow the offense down that much, they’re going to wait for their opportunity, they’re going to see it and they’re going to have it.’Similarly, Desko said Cornell will have enough confidence in its game plan to believe it’s good enough to take down the Orange.With a quick turnaround from Saturday’s game to Tuesday, Syracuse only had one day to watch film. That’s all it needed, though, to see where it needs to put most of its attention. It all comes down to stopping Pannell.‘He’s doing unbelievable. We have to watch out for him,’ Megill said. ‘He’s a threat scoring, feeding, and the list goes on from there.’[email protected]center_img Commentslast_img read more

  • Vanja Ćerimagić from Tuzla can compete with the most attractive Women in the World

    first_img[wzslider autoplay=”true”]Vanja Ćerimagić is a model and fitness coach and her look is close to perfection. She was born on November 15, 1991 in Tuzla and moved to Belgrade as a little girl. She still lives there.Vanja also lived in Canada for ten years and she spent the last 15 years living in Belgrade. She finished High Dental School and College of Vocational Studies, and then graduated from the Sports Academy. She works as a personal trainer and a fitness model and her hobby is painting on canvas.She started dealing with fitness recreationally five years ago. Since she is in the world of modeling, one of the requests of the job is to be in shape. After she noticed the results, she could not stop and she wanted more, so she started training professionally.Vanja started with cardio, as the majority of women in the gym do, and now she already lifts 100 kilograms from crouch and 50 kilograms from bench. To all the ladies who leave workout for the day which never comes, she says that mirror is a great motivation.In the near future Vanja intends to compete in the bikini fitness category, where femininity is valued the most.She recommends healthy diet rich in proteins and with lots of vegetables.(Source: klix.ba)last_img read more

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