Analytics & Credit Decisions Community

The Importance of Restructuring HELOCs before End-of-Draw

Home equity lines of credit (HELOCs) originated during the U.S. housing boom period of 2006 – 2008 will soon approach their scheduled maturity or repayment phases, also known as “end-of-draw”.  These 10 year interest only loans will convert to an amortization schedule to cover both principle...read more

Building a Generation of Relationship Bankers: One Branch at a Time

By: Kyle Enger, Executive Vice President of Finagraph Small business remains one of the largest and most profitable client segments for banks. They provide low cost deposits, high-quality loans and offer numerous cross-selling opportunities. However, recent reports indicate that a majority of...read more

Capital adequacy requirements continue to evolve. Are you prepared?

Complying with complex and evolving capital adequacy regulatory requirements is the new reality for financial service organizations, and it doesn’t seem to be getting any easier to comply in the years since CCAR was introduced under the Dodd Frank Act.  Many banks that have submitted capital plans...read more

What is behind the numbers?

  Do you really know where your commercial and small business clients stand financially?  I bet if you ask your commercial lending relationship managers they will say they do -  but do they really?  The bigger question is how you could be more tied into to your business clients so that you could...read more

An Apple Pay solution that keeps fraud away

Apple Pay is here and so are increased fraud exposures, confirmed losses, and customer experience challenges among card issuers. The exposure associated with the provisioning of credit and debit cards to the Apple Pay application was in time expected as fraudsters are the first group to find...read more

Understanding Gift Card Fraud

by Angie Montoya Gift cards have risen in popularity over the last few years — the National Retail Federation anticipated more than $31B in gift card sales during the 2014 holiday season alone. Gift cards are the most requested gift item, and they have been for eight years in a row. Total gift card...read more

Five steps to become a trusted advisor

The follow blog is by Kyle Enger, Executive Vice President of Finagraph With the surge of alternative lenders, competition among banks is stronger than ever. But what exactly does that mean for the everyday banker? It means business owners want more. If you’re only meeting your clients once a year...read more

Experian and Finagraph collaborate to deliver faster lending insights

Experian has announced a new agreement with Finagraph, a best-in-class automated financial intelligence tool provider, to provide the banking industry with software to evaluate small business financials faster. Loan automation is key in pulling together data in a meaningful manner and this bank...read more

Overdraft management that just makes sense for everyone

  Over the last several years, the Consumer Financial Protection Bureau (CFPB) has, not so quietly, been actively pushing for changes in how banks decision applicants for new checking accounts.  Recent activity by the CFPB is accelerating the pace of this change for those managing...read more

Credit card delinquencies decline in Q4 2014 as spend level increases

We recently issued our Q4 2014 Experian-Oliver Wyman Market Intelligence Report that covers consumer economic trends and found that overall bankcard delinquencies (60 days past due (DPD) and greater) came in at a low 1.79% for Q4 2014. It is interesting to note the disparity when analyzing...read more