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Consumer lending – year in review...

This post is a feature from my colleague and guest blogger, Barry Timm, Senior Process Architect in Advisory Services at Baker Hill, a part of...

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How are Red Flags presented on the actual credit repor...

The credit reporting agencies will not identify Red Flags, as such, on a credit report. However, there may be certain information on a credit...

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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
Opening suspicious accounts...

If you have detected a Red Flag in connection with a credit application, are you prohibited from opening the account when following the Red...

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Next generation collections systems...

Part four Improved change management process is one of the items at the very top of many collections professional’s wish list. In most legacy...

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May 1 is a couple months away, but Nov. 1 still matter...

For all you folks who, like me, waited until the last minute to knock out a term paper or class project in school, here...

Read More May 1 is a couple months away, but Nov. 1 still matters.
Less is not always more....

Red Flags Rule I've heard more than one institution claim that they may limit and even reduce the identity elements (perhaps down to just...

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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)...

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Start with vision. Finish with strategy....

When you begin thinking about financial risk management, you must begin with a vision for your loan portfolio and the similarity of a loan portfolio to...

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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
Next generation collections systems...

Part 3 Reducing operational and overhead costs starts with the automation of tasks that would otherwise be performed by a human resource. By leveraging...

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Collections best practice: triage collections and reco...

Back during World War I, the concept of “triage” was first introduced to the battlefield. Faced with massive casualties and limited medical resources, a...

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Does the Identity Theft Red Flags Rule apply to me?...

Here are a few more frequently asked questions. 1.Am I a “creditor” under the rule? The term “creditor” has the same meaning as under...

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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