Wescom Credit Union, which has nearly $4 billion in assets, is using software from SAS to combat credit risks.

Wescom is based in California.

“Historically, lenders have viewed credit risk management at the loan level by setting loan-level credit criteria,” explained Anna Mendez, Wescom’s chief credit officer. “We need to better understand risk at the portfolio level. Better forecasting of how portfolios will perform in the future is critical to Wescom, especially with the fluctuating economic conditions and ever-changing loan characteristics.”