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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...

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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
Next generation collections systems...

Part two Improved collector productivity and cash flow is the concept of doing more work with existing staff or doing the same amount of...

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Next generation collections systems...

Part oneIn today’s collections environment, the challenges of meeting an organization’s financial objectives are more difficult than ever. Case volumes are higher, accounts are...

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Upon further review …...

Here we are in March, 2009, four months after the Red Flags Rules deadline OR two months until the Red Flags deadline…depending on your...

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Tell me more about address discrepancies...

Address discrepancies aren't the end of the road, but they sure can be a bump in it. One of the handful of mandatory elements...

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Revisit your lending vision for 2009...

Recently we conducted an informal survey, the results of which indicate that loan portfolio growth is still a major target for 2009.  But, when...

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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...

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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...

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Pricing effectively “forever”...

By: Tom Hannagan This post is a feature from my colleague and guest blogger, John Robertson, Senior Process Architect in Advisory Services at Baker...

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Detecting Red Flags...

At which stage of the application process does the Red Flags Rule apply? The Red Flag Rule would apply whenever you detect a Red...

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Will government outreach programs turn up the heat on ...

After reviewing more details around the "The President’s Identity Theft Task Force Report" (September 2008), and some of the activities surrounding it, I find...

Read More Will government outreach programs turn up the heat on various industries?