Why Practice Systematic Loan and Relationship Pricing?

Financial institutions can be divided into two groups: those that are generally thorough and systematic about loan pricing, and those that are pricing on the back of a napkin.   The obvious best approach unfolds when examining the best practices of financial institutions that have successfully implemented a loan and relationship pricing solution.   Institutions that practice […]

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Millennials from Y to Z

Having grown up as the third child of four, I was frequently accused of being the “favored” one because, unlike the others, I never got into trouble. Little did my siblings know, my “favored” status was a direct result observing their actions and subsequent repercussions. I would take note of their mistakes and avoid the same pitfalls they had experienced. It served me well. One interesting […]

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Four Steps to Optimize the Impact of CECL on Profitability

Data, data, data. You have it, but now what? Financial institutions are being bombarded with the need for data in order to be in compliance once the Allowance for Loan and Lease Losses (ALLL) regulatory changes using the Current Expected Credit Loss (CECL) model comes into effect. If I have all the data in the world, […]

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