Yearly Archives: 2009

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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...

January 19, 2009 by Guest Contributor

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...

January 19, 2009 by Guest Contributor

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...

January 15, 2009 by Guest Contributor

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

January 15, 2009 by Guest Contributor

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

January 13, 2009 by Keir Breitenfeld

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

January 13, 2009 by Keir Breitenfeld

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...

January 7, 2009 by Guest Contributor

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...

January 2, 2009 by Keir Breitenfeld