The 20s are the time in your life to shape your values, Bob Reck believes.
He spent his 20s learning what it meant to be a community banker, a job he loved. But an impending bank merger led him in the credit union direction.
“As I was preparing for the merger, I realized they had a very cavalier attitude toward serving the customer, and would talk about how we would get big bonuses for selling them products they didn’t need but made us money,” Reck says. “I don’t know that I could have slept at night making a living that way. It’s in my DNA to help customers first.”
After someone suggested he check out a credit union, Reck did just that.
He quickly found that member service is the credit union way, and he was all in. He’s now first vice president and business services department manager at $1.2 billion asset North Island Credit Union in San Diego, where he helped start North Island’s business lending program.
Reck also introduced a full suite of products, including commercial real estate, commercial and industrial loans, and cash management services, to name a few.
“I never, ever want one business to have to look to a bank to get services that aren’t available at our credit union,” Reck says. “We’ve worked hard to ensure there are no gaps between our service and that of a community bank, and that’s a continuous goal.”
Reck says lending itself hasn’t changed too much in his time with a credit union. The best referrals still come from branch managers who know their community and members.
He says one of North Island’s priorities is to make sure it stays current with the technology needs of business members—which is part of ensuring the credit union can meet the needs of all its members.