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

Published: 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...

Published: December 8, 2008 by Guest Contributor

By: Tom Hannagan I was hoping someone would ask about this. Return on Equity (ROE) is generally net income divided by equity, while Return...

Published: December 5, 2008 by Guest Contributor

It is the time of year during which budgets are either in the works or have been completed.  Typically, when preparing budgets, we project...

Published: December 2, 2008 by Guest Contributor

By: Tom Hannagan In several posts we’ve discussed financial risk management, the role of risk-based capital, measuring profitability based on risk characteristics and the...

Published: December 2, 2008 by Guest Contributor

The pendulum has definitely swung back in favor of the credit discipline within financial institutions. The free wheeling credit standards of the past have...

Published: November 19, 2008 by Guest Contributor

By: Tom Hannagan In previous posts, we’ve dealt with the role of risk-based capital, measuring performance based on risk characteristics and the need for...

Published: November 18, 2008 by Guest Contributor

Just as with diet recommendations, moderation needs to be the new motto for credit risk management.  Diets provide for the occasional bag of chips...

Published: November 13, 2008 by Guest Contributor

By: Tom Hannagan The problem in the 2005 to 2007 home lending frenzy was not just granting credit to anyone who applied. It was...

Published: November 13, 2008 by Guest Contributor

Whenever an industry encounters problems, the natural tendency is to play the blame game.  In the banking industry, credit risk managers are looking for...

Published: November 11, 2008 by Guest Contributor

By: Tom Hannagan In my last post, I addressed the need for banks to advance their management of risk to include the relationship between capital...

Published: November 11, 2008 by Guest Contributor

By: Tom Hannagan Much of the blame for the credit disaster of 2007 and 2008 has been laid at the risk management desks of...

Published: November 7, 2008 by Guest Contributor

We know that financial institutions are tightening their credit standards for lending.  But we don’t necessarily know exactly how financial institutions are addressing portfolio risk...

Published: November 7, 2008 by Guest Contributor

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