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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

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...

December 23, 2008 by Keir Breitenfeld

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

December 15, 2008 by Keir Breitenfeld

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