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

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

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

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 two...read more

The 5 most common mistakes in loan portfolio management to avoid

Managing your portfolio can be a long and arduous process that ties up your internal resources but without it, there’s an increase of additional risk and potential losses. The key is to use loan automation to pull together data in a meaningful manner and go from a reactive to proactive process that...read more

2015 Mobile and Retail Banking Survey

There are two sides to every coin and in banking the question is often to you want to chase the depositor of that coin, or lend it out? Well the Federal Reserve’s decision to hold interest rates at record lows since the economic downturn gave the banks’ in the United States loan portfolios a nice...read more

A diagnosis for data governance — Informed preparation is the best medicine

This is the second post in a three-part series. Imagine the circumstances of a traveler coming to a never before visited culture. The opportunity is the new sights, cuisine and cultural experiences. Among the risks is the not before experienced pathogens and the strength of the overall health...read more

Credit Risk Management – The Phoenician Way

Capital is the life-blood of financial institutions and has become more readily scrutinized since the global credit crisis. How one manages their capital is primarily driven by how well one manages their risk. The use of economic capital in measuring profitability enhances risk management efforts by...read more

Experian announces comarket agreement for Baker Hill Advisor product with MainStreet Technologies’ Loan Loss Analyzer

A new comarketing agreement for MainStreet Technologies’ (MST) Loan Loss Analyzer product with Experian Decision Analytics’ Baker Hill Advisor®product will provide the banking industry with a comprehensive, automated loan-management offering. The combined products provide banks greater confidence...read more