Credit Lending

Loading...
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...

Read More Tri-bureau Capabilities
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...

Read More Score range misconception
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...

Read More Centralized vs. decentralized underwriting
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...

Read More Change management – Always a necessity
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
Financial institution profits, credit risk and loan pr...

By: Tom Hannagan Part 6 Peer Group 2 fee income Non-interest income again, as a percent of average total assets, declined to .86 percent...

Read More Financial institution profits, credit risk and loan pricing for 2008
Defining risk management...

By: Prince Varma Hello. My name is Prince Varma and I’ve spent the better part of the last 16 years helping financial institutions (FI)...

Read More Defining risk management
Bank profits, credit risk and loan pricing for 2008 &#...

By: Tom Hannagan Part 5 This continues the updated review of results from the Uniform Bank Performance Reports (UBPR), courtesy of the FDIC, for...

Read More Bank profits, credit risk and loan pricing for 2008 – part 5
Bank profits, credit risk and loan pricing for 2008 &#...

By: Tom Hannagan Part 4 Let’s dig a bit deeper into why Peer Group 1’s margins didn’t improve. We see two possible reasons: Total...

Read More Bank profits, credit risk and loan pricing for 2008 – part 4
Bank profits, credit risk and loan pricing for 2008 &#...

By: Tom Hannagan Part 3 I believe it is quite important to compare your bank or your investment plans in a financial institution to...

Read More Bank profits, credit risk and loan pricing for 2008 – part 3
Bank lending, credit risk and profit results for 2008 ...

By: Tom Hannagan Part 2 In my last post, I started my review of the Uniform Bank Performance Reports for the two largest financial...

Read More Bank lending, credit risk and profit results for 2008 – part 2
Bank lending, credit risk and profit results for 2008...

By: Tom Hannagan Part 1 It may be quite useful to compare your financial institution’s portfolio risk management process or your investment plans , to the...

Read More Bank lending, credit risk and profit results for 2008
The business risk of Troubled Asset Relief Program par...

By: Tom Hannagan Part 1 Beyond the risk management considerations related to a bank’s capital position, which is directly impacted by Troubled Asset Relief...

Read More The business risk of Troubled Asset Relief Program participation