Ideally, one of the end-of-the-year items that should be checked off the list for credit unions with member business loan programs is a review of policy.

"It shouldn't be too detailed but also not too light," Larry Middleman, president/CEO of CU Business Group LLC. "We hear from credit unions all over the country and understand what issues are critical to effective MBL risk management."

The Portland, Ore.-based CUBG said it serves 392 credit unions in 43 states.

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