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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...

Read More Bank lending, credit risk and profit results for 2008 – part 2
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...

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Responding to Red Flags...

What to do when you see a Red Flag. Your Identity Theft Prevention Program should include appropriate responses when you detect a Red Flag....

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The business risk of Troubled Asset Relief Program par...

By: Tom Hannagan Part 2 There is one rather interesting clause that appears to represent an open-ended business porfolio risk management decision for the...

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The business risk of Troubled Asset Relief Program par...

By: Tom Hannagan Part 1 Beyond the risk management considerations related to a bank’s capital position, which is directly impacted by Troubled Asset Relief...

Read More The business risk of Troubled Asset Relief Program participation
Heeding the early warning...

We have been hearing quite a bit about the ponzi scheme that was created and managed by Bernie Madoff.  Almost $50 billion dollars was...

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Identity Theft Red Flags Rule – frequently asked...

How do I know which Red Flags apply to me? The Red Flag guidelinesthat will apply to you depend on a number of factors...

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Is the Red Flags Rule the final chapter?...

There seems to be some ground-laying for follow-on Red Flag compliance guidelines to emerge either pre- or post- May 1, 2009. Whether they arrive...

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Market risk vs. credit risk...

The difference between market risk and credit risk By: Tom Hannagan Market risk is different than credit risk. The bank’s assets are mostly invested...

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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...

Read More Back to the basics … what is risk?