Latest Post

Loading...
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
Risk Adjusted Loan Pricing – The Major Parts...

By: Tom Hannagan I have referred to risk-adjusted commercial loan pricing (or the lack of it) in previous posts. At times, I’ve commented on...

Read More Risk Adjusted Loan Pricing – The Major Parts
Knowledge-Based Authentication for Reconciliation...

I’ve talked (sorry, blogged) previously about taking a risk-based approach to reconciling initial Red Flag Rule conditions in your applications, transactions, or accounts. In...

Read More Knowledge-Based Authentication for Reconciliation
Be Sure to Read the Fine Print!!!...

Hello Red Flaggers! I’m still getting some questions from our clients these days around the FTC enforcement extension. My concern is that there seems...

Read More Be Sure to Read the Fine Print!!!
Bank Profit Results in the Face of Credit Risk Costs t...

By: Tom Hannagan Here’s a further review of results from the Uniform Bank Performance Reports, courtesy of the FDIC, through the third quarter of...

Read More Bank Profit Results in the Face of Credit Risk Costs through September 2008
Bank Lending and Credit Risk Results through September...

By: Tom Hannagan I reviewed the Uniform Bank Performance Reports (UBPR: (http://www2.fdic.gov/ubpr/ReportTypes.asp ) for selected clients through the third quarter of this year. The...

Read More Bank Lending and Credit Risk Results through September 2008
Now is the time to ensure that your organization is ei...

We continue to receive inquiries from our clients, and the market in general, around whether they are required to comply with the Red Flag...

Read More Now is the time to ensure that your organization is either covered or not.