Posts by Joel Pruis
by November 5, 2012,
Risk Management
The commercial lending - traditional C&I, CRE and other -
segment is one of the last areas to be “automated” or captured
within an automated lending platform. Many of us talk
about the need to automate this segment but the discussion needs to
start with the question of “What does it mean to...read more
by June 29, 2012,
Risk Management
From a score perspective we have established the high level
standards/reporting that will be needed to stay on top of the
resulting decisions. But there is a lot of further detail
that should be considered and further segmentation that must be
developed or maintained. Auto Decisioning A...read more
by March 23, 2012,
Risk Management
Some of you may be thinking finally we get to the meat of the
matter. Yes the decision strategies are extremely important
when we talk about small business/business banking. Just
remember how we got to here though, we had to first define: Who are
we going to pursue in this market segment? How are...read more
by February 16, 2012,
Risk Management
One might consider this topic redundant to the last
submission around application requirements and that assessment
would be partially true. As such we are not going to go over
the data that has already been collected in the application such as
the demographic information of the applicant and...read more
by January 26, 2012,
Risk Management
- by Joel PruisApplication Requirements: Financials or No
Financials – That is the question! Probably the first debate with
information requirements is whether or not to collect financial
statements on the business. There has been much heartburn by
the commercial lending traditionalists with the...read more
by January 25, 2012,
Risk Management
- by Joel Pruis The debate on what constitutes a small business
application is probably second only to the ongoing debate around
centralized vs. decentralized loan authority (but we will get to
that topic in a couple of blogs later). We have a couple of
topics that need to be considered in this...read more
by December 19, 2011,
Just to recap from Part I – The $500 million to $20 Billion
asset size financial institution lost significant ground from 2006
to 2010 while those with assets greater than $20 billion held
steady and those smaller than $500 million and the credit unions
improved significantly. Also, the focus...read more
by December 15, 2011,
Part I – New Application Volume:Generating small business or
business banking applications may be one of the hottest topics in
this segment at this time. Loan demand is down and the pool of
qualified candidates seems to be down as well. Trust me, I am not
going to jump on the easy bandwagon and...read more
by November 28, 2011,
-by Joel Pruis Basic segmentation strategy for business banking
asks the following questions: - Is there a uniform definition of
small business across the industry? - How should small business be
defined? Sales size of the applicant? Exposure to the
financial institution? - Is small...read more
by November 8, 2011,
- by Joel Pruis No, it is not another soap opera but
more of a search for the center, the balance that is needed for
excellence in execution in the small business lending segment.
While much attention over the past few years has been paid
to the mortgage crisis, the small business segment has...read more
