Financial Services - Bankcard, Auto, Mortgage

The Experian Market Intelligence Brief provides historical consumer credit trends

Today we launched The Experian Market Intelligence Brief, a new quarterly report that includes more than 70 charts and data trends on loan originations, outstanding loans and delinquency performance metrics spanning three years. The report can benefit any institution and inform more

Commercial Lending and Risk Management lessons from British Punk Bands

The other day in the American Banker, there was an article titled “Is Loan Growth a Bad Idea Right Now?”, which brings up some great questions on how banks should be looking at their C&I portfolios (or frankly any section of the overall portfolio).  I have to admit I was a little down on more

2015 Real Estate Market Trends

Source:  IntelliViewsm powered by Experian Sales of existing homes dropped 50% from the peak in August 2005 to the low point in July 2010.  The spike in home sales in late 2009 and early 2010 was due to the large number of foreclosure sales as well as very low prices.  Since 2010, sales more

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 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 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 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 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 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 more

Solar Financing – The current and future catalyst behind the booming residential solar market (Part III)

  This is the third and last of a three-part blog series focused on the residential solar market looking at; 1) the history of solar technology, 2) current trends and financing mechanisms, and finally 3) overcoming market and regulatory challenges with Experian’s help. As we’ve discussed in the more