Bits & Banks - With Jason Pendergist
In this episode of Bits & Banks, Jason Pendergist, Chief Credit and Lending Officer at Kitsap Credit Union, joined Aditya Khandekar of Corridor Platforms to unpack how AI can sharpen lending decisions, from looking beyond credit scores to connecting underwriting, portfolio performance, and pricing.
Key ideas:
Credit scores only tell part of the story — Probability of default needs to be considered alongside loss given default. Income stability, loan-to-value, vehicle depreciation, and dealer quality all help reveal whether a loan makes sense for the institution and the member.
Scoring a loan…
The skinny
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