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Back to the basics … what is risk?...

By: Tom Hannagan In my past postings, we’ve discussed financial risk management, the role of risk-based capital, measuring profitability based on risk characteristics and...

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How do we address these credibility and credit problem...

Part 2 Reason one Unfortunately, there is a management issue regarding their transparency with the investment community and/or client base.  Regrettably for the managers...

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Let’s be honest...

“Unprecedented times”, “financial crisis”, “credit crisis” and many other terms continue to be buzzwords that we hear every day.  We are almost becoming desensitized...

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As if our health care system wasn’t complicated ...

It seems to me that there remains quite a bit of dispute and confusion around the inclusion of healthcare providers under the umbrella of...

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Another Red Flags Rule did you know?...

During a recent real-time survey of 850 representatives of the financial services industry: only 36 percent said that they completely understood the new Identity...

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Risk adjusted loan pricing – the upside Part 3...

By: Tom Hannagan Part 3 This post continues my discussion of the reasons for going through the time and trouble to analyze risk-based pricing...

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Lessons learned … now what?...

Stephanie Butler, manager of Process Architects, in Advisory Services at Baker Hill, a part of Experian continues from her last post by adding how to get...

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Risk management lessons learned from 2008...

This post is a feature from my colleague and guest blogger, Stephanie Butler, manager of Process Architects in Advisory Services at Baker Hill, a...

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Best practices for trying times...

Part 2 My colleague, Prince Varma, Senior Client Partner — Portfolio Growth and Client Management, shares his advice on the best practices for portfolio risk...

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Risk adjusted loan pricing — the upside Part 2...

By: Tom Hannagan Part 2 This post continues my discussion of the reasons for going through the time and trouble to analyze risk-based pricing...

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Risk adjusted loan pricing – the upside Part 1...

By: Tom Hannagan Part 1 In my last three posts, we have covered the key parts of how risk-based loan pricing works. We have discussed...

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Risk adjusted loan pricing – Solving for optimum...

By: Tom Hannagan Part 1 Risk-based pricing starts as a product-level reflection of a bank’s financial and risk characteristics. In my last few posts...

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Top ten origination hot topics for 2009!...

So here it is!  The moment you all have been waiting for–the top ten hot topics of 2009 (in no particular order of importance)....

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Vendors should be on your Red Flags radar as May 1 app...

I’m speculating a bit here, but I have a feeling that as the first wave of Red Flag ruleexaminations occurs, one of the potential...

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Risk Adjusted Loan Pricing – From Profit to Prof...

By: Tom Hannagan Part 2 Return on Equity (ROE) ROE is the risk-adjusted profit divided by the equity amount associated with the loan in...

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