Latest Post

Loading...
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...

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

Read More Lessons learned … now what?
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...

Read More Risk management lessons learned from 2008
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...

Read More Best practices for trying times
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...

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

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

Read More Risk adjusted loan pricing – Solving for optimum return
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)....

Read More Top ten origination hot topics for 2009!
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...

Read More Vendors should be on your Red Flags radar as May 1 approaches
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...

Read More Risk Adjusted Loan Pricing – From Profit to Profitability
Risk Adjusted Loan Pricing-From Profit to Profitabilit...

By: Tom Hannagan Part 1 In my last post about risk-based pricing, we started a discussion of the major elements involved in the risk adjustment...

Read More Risk Adjusted Loan Pricing-From Profit to Profitability
Watching your small business portfolio-being proactive...

Part 2 To continue the discussion from my last post, we also must realize that the small business borrower typically doesn’t wait until we...

Read More Watching your small business portfolio-being proactive
Watching your small business portfolio...

Part 1 In reality, we are always facing potential issues in our small business portfolio, it is just the nature of that particular beast....

Read More Watching your small business portfolio
Common questions about Red Flags Rule...

I have heard this question posed and you may be asking yourselves: Why are referral volumes (the potential that the account origination or maintenance...

Read More Common questions about Red Flags Rule
Question of the Day-Red Flags Deadline Approaching...

What is your greatest concern as the May 1, 2009 enforcement date approaches for all guidelines in the Identity Theft Red Flags...

Read More Question of the Day-Red Flags Deadline Approaching