Credit Lending

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The Recipe to a Strong Model Development (Part 2)...

By: Tracy Bremmer In our last blog (July 30), we covered the first three stages of model development which are necessary whether developing a...

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The Recipe to a Strong Model Development (Part 2)...

By: Tracy Bremmer In our last blog, we covered the first three stages of model development which are necessary whether developing a custom or...

Read More The Recipe to a Strong Model Development (Part 2)
Is there a formula for success when building portfolio...

By: Wendy Greenawalt When consulting with lenders, we are frequently asked what credit attributes are most predictive and valuable when developing models and scorecards....

Read More Is there a formula for success when building portfolio-specific models?
The Recipe to a Strong Model Development (Part 1)...

By: Tracy Bremmer Preheat the oven to 350 degrees. Grease the bottom of your pan. Mix all of your ingredients until combined. Pour mixture...

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Monitoring your new account acquisition decisions: po...

By: Kari Michel In my last blog I gave an overview of monitoring reports for new account acquisition decisions listing three main categories that...

Read More Monitoring your new account acquisition decisions: population stability
Vintage Analysis 101 | The Risk within the Risk...

Vintage analysis 101 The title of this edition, ‘The risk within the risk’ is a testament to the amount of information that can be...

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Challenges with creating tri-bureau credit attributes...

By: Wendy Greenawalt Today, most lenders evaluate tri-bureau credit data when making lending decisions. Credit attributes are the building blocks for creating models, scorecards,...

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Benchmarking – A Foundation for Success...

In recent months, the topics of stress-testing and loss forecasting have been at the forefront of the international media and, more importantly, at the...

Read More Benchmarking – A Foundation for Success
Monitoring your new account acquisition decisions: Ov...

By: Kari Michel Are you using scores to make new applicant decisions? Scoring models need to be monitored regularly to ensure a sound and successful...

Read More Monitoring your new account acquisition decisions: Overview of monitoring
Tri-bureau Capabilities...

By: Wendy Greenawalt The US has the most extensive credit bureau data in the world. The available credit data is vast and very complex...

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Beyond the score: What lenders use in decisioning bey...

By: Tracy Bremmer It’s not really all about the credit score. Now don’t get me wrong, a credit score is a very important tool...

Read More Beyond the score: What lenders use in decisioning beyond the score
Score range misconception...

— By Kari Michel What is your credit risk score?  Is it 300, 700, 900 or something in between?  In order to understand what...

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Centralized vs. decentralized underwriting...

The debate continues in the banking industry — Do we push the loan authority to the field or do we centralize it (particularly when...

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Change management – Always a necessity...

This post continues the feature from my colleague and guest blogger, Mark Sofietti, Associate Process Architect in Advisory Services at Baker Hill, a part...

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Strategic execution for your loan portfolios...

We have talked about: the creation of the vision for our loan portfolios (current state versus future state) – e.g. the strategy for moving...

Read More Strategic execution for your loan portfolios