Case Study: Union Bank achieves small-business growth and reduced credit & fraud risk with Experian Decision Analytics

Union Bank - Customer Case Study

Union Bank, a full-service commercial bank headquartered in San Francisco with 397 offices across the West Coast and Texas, sought to maximize small-business growth while maintaining strong credit performance. Although the bank had managed delinquencies well, it needed better control and efficiency in its Business Banking origination and portfolio-management processes to support future growth.

Union Bank engaged Experian Decision Analytics for a Business Review and analytics assessment that validated scoring models, refined credit policy, and recommended process and technology improvements. Recommendations—including tuning Small Business Intelliscore, testing Experian’s account monitoring, and joining the Small Business Credit Share program—produced a strategic roadmap with prioritized quick wins and longer-term initiatives that reduced manual reviews and false positives, improved capacity and risk controls, and enabled more proactive customer management and profitable growth.

Union Bank