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 […]

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Understanding your Institution’s Unique Profitability

Understanding your Institution’s Unique Profitability

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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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 […]

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