Michael Cochrum, VP of Analytics and Advisory Services at CU Direct, a credit union owned company founded in 1994, has made a career in consumer finance that spans almost three decades. Michael has worked for several national banks, including Fifth-Third and Citibank (Citi). Mr. Cochrum came to credit unions in 1999, working for two credit unions before joining the CU Direct organization in 2004. He has an extensive and broad lending background in underwriting, collections, asset recovery and program management. Over the last six years, Michael has been instrumental in bringing data analytics and risk management best practices to the credit union space and is a sought after speaker and writer on the subject of loan portfolio risk management and process automation. Michael no heads up the Analytics and Consulting team for CU Direct, helping credit unions across the country optimize lending efficiencies and improve risk management strategies through the use of data. He is lead instructor of the Lending Analytics and Portfolio Academy, which he founded. Michael holds a BS degree in Data Analytics, an MBA from Texas A & M and is a graduate of the Southwest CUNA Management School where he has returned to that school to offer graduate education sessions.