Welcome to David Watson Consulting!
I have provided strategic, operational, and financial consulting exclusively for credit unions for over 30 years. Every credit is unique and deserves an individual approach from its consultants. That is my commitment to every client. Please explore my website and LinkedIn profile to learn more about how I can help your credit union prosper and grow.
Risk Management Services for Your Credit Union
One-time and Recurring MBL, Indirect Lending and Collection Reviews
Many credit unions are experiencing lending and collection challenges in 2025. Employment, economic and political uncertainty present hurdles to effectively manage new loan underwriting, ongoing loan quality, and collections. Are internal collection efforts meeting the challenge of today's current lending landscape? Is your credit union REALLY actively managing its commercial and consumer lending risks. Yesterday's methodologies may prove ineffective today. What to do? Call or email. I can help ensure you're prepared to meet these challenges and thrive!
Thinking about a charter expansion?
I can help guide you through the process to evaluate changes to your charter, including expanding community FOMs; work with your team to prepare related business and marketing plans and budgets; and, compile all required regulatory.
When was the last time you took stock of your strategic planning process?
Every year, you meet to strategize about critical operational and financial plans. When was the last time you changed the way strategic meetings are managed? Does your "old school" strategic planning process continue to provide the right output to ensure your institution succeeds well into the future and meets regulatory expectations? "That's the way we've always done it" is not a strategy anymore.
About Us
David Watson
David has been in the credit union industry for over 30 years, helping institutions from $10 million to over $3 billion manage risks. Whether it's loan quality and portfolio management, commercial and mortgage lending underwriting and operations, collections, profitability, regulatory demands, strategic planning, ALM, ERM, or internal audit planning and assistance, David has helped - and he can help you, too.
History and Background
Through three different paths within one credit union-focused career, David always has been consulting with his clients. A long tenure in risk management with America's only private deposit insurer provided exposure to many different states throughout the country - and an understanding that solutions are developed on a case by case basis, not a one size fits all basis. Tenure with a large regional CPA firm in the Midwest, nurturing its credit union niche practice; and, a short stint within a community bank and credit union practice of a national investment banking company, provided additional consulting opportunities.
Mission and Focus
Listening and planning - these are the first goals that need accomplished through any successful consulting relationship. David strongly believes that each project deserves its own strategy, allowing delivery of the highest quality product at the best value to the client.
Contact Us
David Watson Consulting
Serving savvy credit unions from Columbus, Ohio and Sonoma, California
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