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

The best medicine for data governance? Be your own doctor

This is the first post in a three-part series. You’ve probably heard the adage “There is a little poison in every medication,” which typically is attributed to Paracelsus (1493–1541), the father of toxicology. The trick, of course, is to prescribe the correct balance of agents to improve the patient...read more

Peeling the layers of today’s pricing

I began this blog series asking the question “How can banks offer such low rates?” Exploring the relationship of pricing in an environment where we have a normalized. I outlined a simplistic view of loan pricing as:  + Interest Income + Non-Interest Income Cost of Funds Non-Interest Expense Risk...read more

Is your Risk Ratings making the grade?

I am at the Risk Management Association’s annual conference in DC and I feel like I am back to where my banking career began.  One of the key topics here is how important the Risk Rating Grade is and what impact that right or wrong Risk Rating Grade can have on the bank. It is amazing to me how a...read more

Auto Lending Naysayers Are Neglecting Key Facts - Part 2

This is the second of a two part blog about the state of auto lending in the U.S.  In the U.S, auto lending has been surging.   This is the second of a two part blog regarding this subject.  The previous blog looked at origination trends as well as noting the attention that auto lending has received...read more

Model Risk Governance – It’s not just for the big banks!

When the OCC put forth the supervisory guidance on model risk governance the big focus in the industry was around the larger financial institutions that had created their own risk models.  The overall intent to make sure that the larger financial institutions were properly managing the risk they...read more

Auto Lending Naysayers Are Neglecting Key Facts

This is the first of a two part blog about the state of auto lending in the U.S. In 2014, auto lending has received increased media attention.  Unlike other forms of consumer lending, auto lending has been booming.  This lending has powered spending and has been an important driver of the economic...read more

Keep service levels up by improving revenue streams

As consumers, we expect service, don’t we? When service or convenience lessens or is taken away from us altogether, we struggle to comprehend it. As a recent example, I went to the pharmacy the other day and learned that I couldn’t pick up my prescription since the pharmacists were out to lunch....read more