Credit Lending

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...

Published: June 21, 2009 by Guest Contributor

— By Kari Michel What is your credit risk score?  Is it 300, 700, 900 or something in between?  In order to understand what...

Published: June 16, 2009 by Guest Contributor

The debate continues in the banking industry — Do we push the loan authority to the field or do we centralize it (particularly when...

Published: April 24, 2009 by Guest Contributor

This post continues the feature from my colleague and guest blogger, Mark Sofietti, Associate Process Architect in Advisory Services at Baker Hill, a part...

Published: April 3, 2009 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...

Published: March 27, 2009 by Guest Contributor

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...

Published: March 17, 2009 by Guest Contributor

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)...

Published: March 12, 2009 by Guest Contributor

By: Tom Hannagan Part 5 This continues the updated review of results from the Uniform Bank Performance Reports (UBPR), courtesy of the FDIC, for...

Published: March 10, 2009 by Guest Contributor

By: Tom Hannagan Part 4 Let’s dig a bit deeper into why Peer Group 1’s margins didn’t improve. We see two possible reasons: Total...

Published: March 10, 2009 by Guest Contributor

By: Tom Hannagan Part 3 I believe it is quite important to compare your bank or your investment plans in a financial institution to...

Published: March 5, 2009 by Guest Contributor

By: Tom Hannagan Part 2 In my last post, I started my review of the Uniform Bank Performance Reports for the two largest financial...

Published: February 26, 2009 by Guest Contributor

By: Tom Hannagan Part 1 It may be quite useful to compare your financial institution’s portfolio risk management process or your investment plans , to the...

Published: February 26, 2009 by Guest Contributor

By: Tom Hannagan Part 1 Beyond the risk management considerations related to a bank’s capital position, which is directly impacted by Troubled Asset Relief...

Published: February 19, 2009 by Guest Contributor

The difference between market risk and credit risk By: Tom Hannagan Market risk is different than credit risk. The bank’s assets are mostly invested...

Published: February 11, 2009 by Guest Contributor

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

Published: February 11, 2009 by Guest Contributor