Credit Lending
With the constant (and improving!) changes in the consumer credit landscape, understanding the latest trends is vital for institutions to validate current business strategies...
As a scoring manager, this question has always stumped me because there was never a clear answer. It simply meant less than prime –...
By: Mike Horrocks This week, several key financial institutions will be submitting their “living wills” to Washington as part of the Dodd-Frank legislation. I...
By: Joel Pruis From a score perspective we have established the high level standards/reporting that will be needed to stay on top of the...
Recently we released a white paper that emphasizes the need for better, more granular indicators of local home-market conditions and borrower home equity, with...
Previously, we looked at the various ways a dual score strategy could help you focus in on an appropriate lending population. Find your mail-to...
Up to this point, I’ve been writing about loan originations and the prospects and challenges facing bankcard, auto and real estate lending this year. ...
Last month, I wrote about seeking ways to ensure growth without increasing risk. This month, I’ll present a few approaches that use multiple scores...
By: Mike Horrocks Henry Ford is credited to have said “Coming together is a beginning. Keeping together is progress. Working together is success.” This...
By: Joel Pruis Some of you may be thinking finally we get to the meat of the matter. Yes the decision strategies are extremely important...
In my last two posts on bankcard and auto originations, I provided evidence as to why lenders have reason to feel optimistic about their...
If you attended any of our past credit trends Webinars, you’ve heard me mention time and again how auto originations have been a standout...
Part II: Where are Models Most Needed Now in Mortgages? (Click here if you missed Part I of this post.) By: John Straka A...
By: Joel Pruis One might consider this topic redundant to the last submission around application requirements and that assessment would be partially true. As...
Part I: Types and Complexity of Models, and Unobservable or Omitted Variables or Relationships By: John Straka Since the financial crisis, it’s not unusual...
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