Scienaptic AI, a global leader in AI powered credit decisioning, announced that GHS Federal Credit Union, headquartered in Binghamton, New York, has selected its AI-powered credit decisioning platform to strengthen loan approvals, accelerate credit decisioning, and support more inclusive lending experiences for members.
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Founded in 1940, GHS Federal Credit Union got their start serving government and healthcare professionals, local employers, and families across the Greater Binghamton region for more than eight decades. The credit union has built strong community trust through a focus on personalized service, financial education, and long-term member well-being. GHS offers a broad range of consumer and small business financial products designed to support members across different life stages, while maintaining a strong local presence and a people first culture.
As member profiles, credit needs, and data inputs become more diverse, GHS Federal Credit Union is focused on ensuring that its underwriting approach continues to reflect both financial discipline and local understanding. To support this next phase of growth, Scienaptic AI credit decisioning technology will enable automation across underwriting, providing faster decisions and more comprehensive visibility into member creditworthiness across GHS’s lending portfolio.
“At GHS, our lending philosophy has always been rooted in service for our members,” said Chad Williams, President & CEO at GHS Federal Credit Union. “As data and decision complexity increase, Scienaptic AI enables us to modernize our lending approach by automating underwriting, helping us make faster and more informed decisions at scale while continuing to serve our community responsibly.”
“As lending becomes more data-rich and dynamic, GHS Federal Credit Union is modernizing its underwriting approach to evaluate risk in context rather than in isolation,” said Patrick McElhenie, Chief Growth Officer at Scienaptic AI. “Scienaptic AI enables this modernization by applying advanced intelligence across the full credit decisioning process, helping GHS move beyond single-score decisions while supporting disciplined, responsible growth.”
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