Credit Lending
Recently we released a white paper that emphasizes the need for better, more granular indicators of local home-market conditions and borrower home equity, with...
Previously, we looked at the various ways a dual score strategy could help you focus in on an appropriate lending population. Find your mail-to...
Up to this point, I’ve been writing about loan originations and the prospects and challenges facing bankcard, auto and real estate lending this year. ...
Last month, I wrote about seeking ways to ensure growth without increasing risk. This month, I’ll present a few approaches that use multiple scores...
By: Mike Horrocks Henry Ford is credited to have said “Coming together is a beginning. Keeping together is progress. Working together is success.” This...
By: Joel Pruis Some of you may be thinking finally we get to the meat of the matter. Yes the decision strategies are extremely important...
In my last two posts on bankcard and auto originations, I provided evidence as to why lenders have reason to feel optimistic about their...
If you attended any of our past credit trends Webinars, you’ve heard me mention time and again how auto originations have been a standout...
Part II: Where are Models Most Needed Now in Mortgages? (Click here if you missed Part I of this post.) By: John Straka A...
By: Joel Pruis One might consider this topic redundant to the last submission around application requirements and that assessment would be partially true. As...
Part I: Types and Complexity of Models, and Unobservable or Omitted Variables or Relationships By: John Straka Since the financial crisis, it’s not unusual...
By: Staci Baker Just before the holidays, the Fed released proposed rules, which implement Sections 165 and 166 of the Dodd-Frank Act. According to The...
For as long as there have been loans, there has been credit risk and risk management. In the early days of US banking, the...
By: Staci Baker Just before the holidays, the Fed released proposed rules, which implement Sections 165 and 166 of the Dodd-Frank Act. According to The...
As we kick off the new year, I thought I’d dedicate a few blog posts to cover what some of the consumer credit trends...