Business Analytics is Part of the Full Lending Performance Cycle 

Business Analytics is Part of the Full Lending Performance Cycle 

Business Analytics is Part of the Full Lending Performance Cycle  On several occasions I’ve spoken about the “Full Lending Performance Cycle” (FLPC). This cycle is comprised of several steps aligned with the origination process and aftermath when evaluating a portfolio. One tool for evaluating the portfolio is business analytics. As CECL adoption comes closer to reality, the lending process becomes even more interconnected. For simplicity purposes, the FLPC […]

Continue reading...

Pricing Effectively – The Need to Know

Years ago, I attended a seminar where the presenter made a statement that struck me as odd but has proven to be quite prophetic.  He simply stated, “Margins will continue to narrow … forever!” He was spot on. At that time, a variety of loan products (such as mortgage loans) were becoming ‘commoditized’. This emerging […]

Continue reading...

Self-Assessment of Pricing and Monitoring Performance Levels

Self-Assessment of Pricing and Monitoring Performance Levels

Financial institutions should be constantly monitoring themselves in terms of efficiencies when building a process flow in several critical areas. Focusing on pricing and portfolio management, these two areas act as checks and balances against the decision making embedded in the financial institutions daily activity. Where should we price and after the fact how are […]

Continue reading...