Latest Posts
A recent Experian study showed that strategic defaults accounted for 23 percent of all mortgage defaults 60 days past due or greater in Q4...
Up to this point, I’ve been writing about loan originations and the prospects and challenges facing bankcard, auto and real estate lending this year. ...
With interest rates at their lowest level since 2008 and an increasingly competitive market, automotive lenders are increasing their willingness to make loans between...
The economy is accelerating at a sluggish pace, and world headlines cause business leaders to swing between optimism and pessimism daily. Risk managers must...
The automotive loan market continued to improve, with lenders showing more willingness to lend outside of prime. In Q4 2011, average credit scores for...
Despite low demand and a shrinking pool of qualified candidates, loan growth priorities continue to rank high for most small-business lenders – both for...
Last month, I wrote about seeking ways to ensure growth without increasing risk. This month, I’ll present a few approaches that use multiple scores...
The strongest growth in new bankcard accounts is occurring in the near-prime and subprime segments of VantageScore® C, D and F. Year-over-year (Q1 2011...
The Consumer Financial Protection Bureau (CFPB) now has the ability to write and enforce 18 consumer protection laws that guide financial products and services....
Auditing provides the organization with assurance that all financial controls are in place to ensure that trust account funds are maintained, access to financial...
Even as interest rates remain at near-record lows, mortgage originations declined for the second quarter in a row in Q2 2011 to $268 billion,...
By: Mike Horrocks Henry Ford is credited to have said “Coming together is a beginning. Keeping together is progress. Working together is success.” This...
VantageScore® polled risk professionals about how they are measuring score performance, and 60 percent of respondents said they are now using metrics beyond the...
By: Joel Pruis Some of you may be thinking finally we get to the meat of the matter. Yes the decision strategies are extremely important...
Lenders continued to increase their appetite for risk in Q2 2011, with new vehicle loans for customers with credit outside of prime increasing by...