Posts by Bob Schulte

4 Deferment Interest Errors That Blindside Private Education Borrowers at Repayment
Read Time: 10 mins

4 Deferment Interest Errors That Blindside Private Education...

Key Takeaways Configuring full deferment when the loan note requires interest-only in-school payments creates an outstanding interest balance that inflates...

How to Prevent Loan Servicing Complaint Benchmarks: Features Your LMS Must Have
Read Time: 9 mins

How to Prevent Loan Servicing Complaint Benchmarks: Features...

Get Your Risk Assessment Score & Industry-Specific Compliance Checklist Here! *Curated as per Consumer Financial Protection Bureau (CFPB) Complaint Benchmarks...

Debt Collection Metrics That Predict Recovery: Roll Rate, Cure Rate, and Recovery Rate
Read Time: 7 mins

Debt Collection Metrics That Predict Recovery: Roll Rate,...

Key Takeaways Aging reports show how much is delinquent right now, not whether that delinquency is getting better or worse,...

How Automotive Lenders Handle a Co-Signer Release Request Mid-Loan
Read Time: 7 mins

How Automotive Lenders Handle a Co-Signer Release Request...

Key Takeaways Automotive lenders verify co-signer release eligibility by pulling consecutive payment history directly from the loan's payment record rather...

Reconciling Draw Disbursements Against Budget Line Items
Read Time: 9 mins

Reconciling Draw Disbursements Against Budget Line Items

Key Takeaways Draw budgets drift when borrowers shift funds between categories without a formal change order, and lenders miss the...

5 Ways Healthcare Lending Differs From Other Loan Types 
Read Time: 13 mins

5 Ways Healthcare Lending Differs From Other Loan...

Key Takeaways Standard LMS (loan management systems) fail on healthcare portfolios because patient loans carry five structural requirements that no...

The Month-End Loan Servicing Checklist Every Lender Must Run to Prevent Portfolio Reporting Failures
Read Time: 14 mins

The Month-End Loan Servicing Checklist Every Lender Must...

Key Takeaways Portfolio reporting failures trace back to tools built to record transactions without confirming whether those transactions were applied...

What Private Equity Can Teach Lenders About Portfolio Management
Read Time: 7 mins

What Private Equity Can Teach Lenders About Portfolio...

Key Takeaways Lenders who manage their loan book reactively routinely miss the earliest and cheapest intervention window. Classifying loans by...

What High-Performing Lending Teams Do Differently: Lessons Learned Over 30 Years in Lending 
Read Time: 7 mins

What High-Performing Lending Teams Do Differently: Lessons Learned...

Key Takeaways Most lending teams fail not because of bad loans but because of undocumented processes that make the operation...

Loan Modification, ACH, and Borrower Experience: The 2026 Competitive Edge for Lenders 
Read Time: 6 mins

Loan Modification, ACH, and Borrower Experience: The 2026...

Key Takeaways The competitive variable for non-bank lenders in 2026 is what happens after the loan funds. Private lenders who...

3 Loan Reconciliation Failure Points That Break Multi-Vertical Lending Operations
Read Time: 7 mins

3 Loan Reconciliation Failure Points That Break Multi-Vertical...

Key Takeaways Loan reconciliation breaks down in multi-vertical portfolios due to structural failure points. NSF returns that go unresolved create...

Top 3 Interest Accrual Methods Explained[+ Decision-Making Flowchart] 
Read Time: 7 mins

Top 3 Interest Accrual Methods Explained[+ Decision-Making Flowchart] 

Lenders don’t lose money all at once—it happens in small, unnoticed ways. Interest accrual is one of them. A slight...

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