Credit Lending
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...
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...
This post is a feature from my colleague and guest blogger, Stephanie Butler, manager of Process Architects in Advisory Services at Baker Hill, a...
Part 2 My colleague, Prince Varma, Senior Client Partner — Portfolio Growth and Client Management, shares his advice on the best practices for portfolio risk...
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...
Part 1 In reality, we are always facing potential issues in our small business portfolio, it is just the nature of that particular beast....
By: Tom Hannagan I have referred to risk-adjusted commercial loan pricing (or the lack of it) in previous posts. At times, I’ve commented on...
By: Tom Hannagan Here’s a further review of results from the Uniform Bank Performance Reports, courtesy of the FDIC, through the third quarter of...
By: Tom Hannagan I reviewed the Uniform Bank Performance Reports (UBPR: (http://www2.fdic.gov/ubpr/ReportTypes.asp ) for selected clients through the third quarter of this year. The...
In my last blog, I talked about the overall need for a vision for your loan portfolio and the similarity of a loan portfolio...
By: Tom Hannagan I was hoping someone would ask about this. Return on Equity (ROE) is generally net income divided by equity, while Return...
The pendulum has definitely swung back in favor of the credit discipline within financial institutions. The free wheeling credit standards of the past have...
By: Tom Hannagan In previous posts, we’ve dealt with the role of risk-based capital, measuring performance based on risk characteristics and the need for...
Just as with diet recommendations, moderation needs to be the new motto for credit risk management. Diets provide for the occasional bag of chips...
Whenever an industry encounters problems, the natural tendency is to play the blame game. In the banking industry, credit risk managers are looking for...