OCEAN CITY, Md. — Rory Rowland of Rowland Consulting knows two things: humor and magic. Oh yes, and then he can school your credit union a bit on lending too.

In a highly active and entertaining session during the Maryland & D.C. Credit Union Association's annual conference last week, Rowland laced his lending tips with humor and kept people in their seats to see if the hanky signed by an audience member really ended up inside a green pepper.

One of Rowland's top recommendations was to run a credit report immediately when a member signed up. The membership application should serve double duty as a loan application, the Missouri-based consultant added.

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