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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. ...

Published: April 13, 2012 by Alan Ikemura

With interest rates at their lowest level since 2008 and an increasingly competitive market, automotive lenders are increasing their willingness to make loans between...

Published: April 12, 2012 by josephine.munis

The economy is accelerating at a sluggish pace, and world headlines cause business leaders to swing between optimism and pessimism daily. Risk managers must...

Published: April 9, 2012 by josephine.munis

The automotive loan market continued to improve, with lenders showing more willingness to lend outside of prime. In Q4 2011, average credit scores for...

Published: April 6, 2012 by josephine.munis

Despite low demand and a shrinking pool of qualified candidates, loan growth priorities continue to rank high for most small-business lenders – both for...

Published: April 4, 2012 by josephine.munis

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...

Published: April 3, 2012 by Veronica Herrera

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...

Published: April 2, 2012 by josephine.munis

The Consumer Financial Protection Bureau (CFPB) now has the ability to write and enforce 18 consumer protection laws that guide financial products and services....

Published: March 30, 2012 by josephine.munis

Auditing provides the organization with assurance that all financial controls are in place to ensure that trust account funds are maintained, access to financial...

Published: March 29, 2012 by Jeff Bernstein

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,...

Published: March 28, 2012 by josephine.munis

By: Mike Horrocks Henry Ford is credited to have said “Coming together is a beginning. Keeping together is progress. Working together is success.”   This...

Published: March 27, 2012 by Guest Contributor

VantageScore®  polled risk professionals about how they are measuring score performance, and 60 percent of respondents said they are now using metrics beyond the...

Published: March 26, 2012 by josephine.munis

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...

Published: March 23, 2012 by Guest Contributor

Lenders continued to increase their appetite for risk in Q2 2011, with new vehicle loans for customers with credit outside of prime increasing by...

Published: March 23, 2012 by josephine.munis

Experian® QAS®, a leading provider of address verification software and services, recently released a new benchmark report on the data quality practices of top...

Published: March 21, 2012 by josephine.munis

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