At Baker Hill, we spend a great deal of time helping our clients bring finance, marketing and sales together to create profitable growth. Our focus is not on building a balance sheet at the expense of income, but instead building a balance sheet while growing net income. This is an important distinction that sets highly […]
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 […]
Understanding your Institution’s Unique Profitability As the leader of your financial institution, do you know which products or branches are profitable, break–even, or struggling? Is marketing looking for direction on what products to emphasize, or who should be targeted? Should pricing be altered or tiered, and at what levels? How does your financial institution use “big data” to make informed decisions? Are you growing in the […]
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