Business View Magazine l January 2023

139 BUSINESS VIEW MAGAZINE VOLUME 9, ISSUE 12 mortgages, lines of credit, investment products, and credit cards, as well as business banking products like bank accounts and credit cards. As a credit union, it does, however, approach banking uniquely. For instance, it enjoys more flexibility in decision making, on a case-by-case basis. OSHAWA COMMUNI T Y CREDI T UNION LTD. Remillard provides an example. “Consider an individual who recently graduated as a doctor and comes seeking a mortgage. Their income is quite low, but we may consider approving the mortgage based on their future earnings. Banks cannot provide these kinds of quick decisions at the local branch level.