Credit Lending

By: Tom Hannagan Part 3 This post continues my discussion of the reasons for going through the time and trouble to analyze risk-based pricing...

Published: February 5, 2009 by Guest Contributor

This post is a feature from my colleague and guest blogger, Stephanie Butler, manager of Process Architects in Advisory Services at Baker Hill, a...

Published: February 4, 2009 by Guest Contributor

Part 2 My colleague, Prince Varma, Senior Client Partner — Portfolio Growth and Client Management, shares his advice on the best practices for portfolio risk...

Published: January 30, 2009 by Guest Contributor

By: Tom Hannagan Part 2 This post continues my discussion of the reasons for going through the time and trouble to analyze risk-based pricing...

Published: January 29, 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....

Published: January 15, 2009 by Guest Contributor

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...

Published: January 7, 2009 by Guest Contributor

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...

Published: 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...

Published: December 18, 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

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

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