All posts by Guest Contributor

Part 2 My colleague, Prince Varma, Senior Client Partner — Portfolio Growth and Client Management, shares his advice on the best practices for portfolio risk...

January 30, 2009 by Guest Contributor

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...

January 29, 2009 by Guest Contributor

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...

January 27, 2009 by Guest Contributor

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...

January 20, 2009 by Guest Contributor

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)....

January 20, 2009 by Guest Contributor

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

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

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...

December 23, 2008 by Guest Contributor

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...

December 18, 2008 by Guest Contributor

We have talked about: the creation of the vision for our loan portfolios (current state versus future state) – e.g. the strategy for moving...

December 15, 2008 by Guest Contributor

By: Tom Hannagan For the last 16 months or so, the financial services industry has been indicted, tried, found guilty, sentenced and duly executed...

December 15, 2008 by Guest Contributor

In my last blog, I talked about the overall need for a vision for your loan portfolio and the similarity of a loan portfolio...

December 8, 2008 by Guest Contributor