Note: "Do not fall for scammers - O2I does not offer freelance work nor does it take money for projects". All projects are done out of our state of the art facilities in India, PHIL and South America. Contact us to get any details of O2I vendor selection policy.
Case Study on A NY-Based Member-Owned Credit Union Achieve Higher Profitability

O2I Helped a New York-Based Credit Union to Reduce Operational Costs By 40%

The Client

O2I was approached by a member-owned credit union based in Westbury, New York. Founded in 1938, the client has evolved over several decades to provide outstanding services. Powered by 200+ employees, they are one of the fastest-growing national credit unions that operate in mortgage lending, consumer lending, and the banking sector.

The Requirement

The client needed enhanced flexibility and a reliable outsourcing partner to facilitate and streamline business processes. They approached us, looking for -

  • A steady influx of talented and skilled employees
  • A hassle-free way of scaling up or down within a short notice

The Challenges

As a non-profit organization, the client faced issues with constant labor attrition. They would hire and train skilled employees who would invariably move to greener pastures. It caused additional challenges for the client, including:

  • Higher operational costs
  • Higher investments in employee training
  • The inability to scale at will
  • Unrealized market potential
  • A dip in the bottom lines

Our Solution

After partnering with us, scalability ceased to be a problem for the client. We leveraged our rich domain experience and streamlined business model to understand the skillsets that the client needs. We ensured that the client has access to a steady stream of resources based on their requirements. Our experts provided end-to-end solutions, from designing process documents to heavy-lifting operations. We also suggested process improvements, quality control, and reporting mechanisms.

Scope of the Project & Support Metrics

Consumer Lending Support

  • Auto Loans

  • Underwriting - We reviewed credit reports and searched for Fraud/SSN & MLA warnings. We looked for delinquencies or bankruptcies reported during the last one or two financial years. We calculated the DTI within the consumer lending system. Our experts verified if the loan provided was within the approved range in the consumer lending system or based on the DTI available compared to the monthly payments. They reviewed the terms and conditions in lease agreements to ensure compliance.
  • Funding - We followed a quick funding checklist and approved loans as per the process within the consumer lending system.

Business Impacts We Delivered

 40% less operational cost
 Higher profitability to serve their community better
 Higher retention of the knowledge base than ever before
 Faster turn times & improved quality

The Final Outcome

The best outcome of this project was that we could help the client significantly reduce the time and costs associated with constant hiring and training. Our experts worked in perfect sync with the client's in-house processes, and the lack of scalability and labor attrition was no more business threats to the client. Our services exceeded client expectations and led to long-term engagement between both parties.

Outsource Mortgage Loan Processing Support to O2I

Our expertise, attention to detail, and customized experience help our partners scale their businesses with ease. Our knowledge of all compliance and regulatory issues, combined with our effective pre-qualification support services and mortgage title services, enable our clients to achieve their business goals efficiently. Collaborate with us for increased customer satisfaction, higher margins, increased revenue, and streamlined support processes.

Contact Us


Decide in 24 hours whether outsourcing will work for you.


We respect your privacy. Our Policy.

Have specific requirements? Email us at: Info Email

Email Us Info Email
Flatworld Solutions Address


116 Village Blvd, Suite 200,
Princeton, NJ 08540

116 Village Blvd, Suite 220, Princeton, NJ 08540

135 Camino Dorado, Suite 7, Napa, CA 94588.