<p>SANTA ANA, Calif. – Risk-based lending has come to Santa Ana Federal Credit Union. SAFCU members with stronger credit will now be able to receive lower rates than members who haven't handled their credit as responsibly. According to SAFCU Human Resources Manager Marilou Guerrero the change of process opens the possibility for SAFCU to offer quicker loan approvals, better control of delinquencies, and to offer other new and innovative loan products and services to its members. In preparation for the up and coming program, the credit union held a Staff Development Day in January, to train its staff members to address member inquiries. In addition, Counter Intelligence Associates facilitated a Risk Based Lending seminar and introduced the Profit and Cash game, which is a tool to help staff members learn the impact of all types of transactions on the success of the credit union.</p>