All posts by Guest Contributor

By: Tom Hannagan In my past postings, we’ve discussed financial risk management, the role of risk-based capital, measuring profitability based on risk characteristics and...

Published: February 11, 2009 by Guest Contributor

Part 2 Reason one Unfortunately, there is a management issue regarding their transparency with the investment community and/or client base.  Regrettably for the managers...

Published: February 10, 2009 by Guest Contributor

“Unprecedented times”, “financial crisis”, “credit crisis” and many other terms continue to be buzzwords that we hear every day.  We are almost becoming desensitized...

Published: February 6, 2009 by Guest Contributor

By: Tom Hannagan Part 3 This post continues my discussion of the reasons for going through the time and trouble to analyze risk-based pricing...

Published: February 5, 2009 by Guest Contributor

Stephanie Butler, manager of Process Architects, in Advisory Services at Baker Hill, a part of Experian continues from her last post by adding how to get...

Published: February 4, 2009 by Guest Contributor

This post is a feature from my colleague and guest blogger, Stephanie Butler, manager of Process Architects in Advisory Services at Baker Hill, a...

Published: February 4, 2009 by Guest Contributor

Part 2 My colleague, Prince Varma, Senior Client Partner — Portfolio Growth and Client Management, shares his advice on the best practices for portfolio risk...

Published: January 30, 2009 by Guest Contributor

By: Tom Hannagan Part 2 This post continues my discussion of the reasons for going through the time and trouble to analyze risk-based pricing...

Published: January 29, 2009 by Guest Contributor

By: Tom Hannagan Part 1 In my last three posts, we have covered the key parts of how risk-based loan pricing works. We have discussed...

Published: January 27, 2009 by Guest Contributor

By: Tom Hannagan Part 1 Risk-based pricing starts as a product-level reflection of a bank’s financial and risk characteristics. In my last few posts...

Published: January 20, 2009 by Guest Contributor

So here it is!  The moment you all have been waiting for–the top ten hot topics of 2009 (in no particular order of importance)....

Published: January 20, 2009 by Guest Contributor

By: Tom Hannagan Part 2 Return on Equity (ROE) ROE is the risk-adjusted profit divided by the equity amount associated with the loan in...

Published: January 19, 2009 by Guest Contributor

By: Tom Hannagan Part 1 In my last post about risk-based pricing, we started a discussion of the major elements involved in the risk adjustment...

Published: January 19, 2009 by Guest Contributor

Part 2 To continue the discussion from my last post, we also must realize that the small business borrower typically doesn’t wait until we...

Published: January 15, 2009 by Guest Contributor

Part 1 In reality, we are always facing potential issues in our small business portfolio, it is just the nature of that particular beast....

Published: January 15, 2009 by Guest Contributor