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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...

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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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