Credit Lending
By: Tracy Bremmer In our last blog (July 30), we covered the first three stages of model development which are necessary whether developing a...
By: Tracy Bremmer In our last blog, we covered the first three stages of model development which are necessary whether developing a custom or...
By: Wendy Greenawalt When consulting with lenders, we are frequently asked what credit attributes are most predictive and valuable when developing models and scorecards....
By: Tracy Bremmer Preheat the oven to 350 degrees. Grease the bottom of your pan. Mix all of your ingredients until combined. Pour mixture...
By: Kari Michel In my last blog I gave an overview of monitoring reports for new account acquisition decisions listing three main categories that...
Vintage analysis 101 The title of this edition, ‘The risk within the risk’ is a testament to the amount of information that can be...
In recent months, the topics of stress-testing and loss forecasting have been at the forefront of the international media and, more importantly, at the...
By: Kari Michel Are you using scores to make new applicant decisions? Scoring models need to be monitored regularly to ensure a sound and successful...
By: Tracy Bremmer It’s not really all about the credit score. Now don’t get me wrong, a credit score is a very important tool...
— By Kari Michel What is your credit risk score? Is it 300, 700, 900 or something in between? In order to understand what...
The debate continues in the banking industry — Do we push the loan authority to the field or do we centralize it (particularly when...
This post continues the feature from my colleague and guest blogger, Mark Sofietti, Associate Process Architect in Advisory Services at Baker Hill, a part...
We have talked about: the creation of the vision for our loan portfolios (current state versus future state) – e.g. the strategy for moving...
By: Tom Hannagan Part 6 Peer Group 2 fee income Non-interest income again, as a percent of average total assets, declined to .86 percent...
By: Prince Varma Hello. My name is Prince Varma and I’ve spent the better part of the last 16 years helping financial institutions (FI)...