Funding with a Flat Curve

Funding with a Flat Curve

Recently, we have heard a lot about flattening the curve but what do you do with pricing when dealing with a flat loan yield curve? It’s not as if we haven’t faced this before but it has been some time, so we need to dust off our memories and recall what strategy was used. A […]

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Don’t Let the Pandemic Be a Death Sentence on Your Branch Profitability

Don’t Let the Pandemic Be a Death Sentence on Your Branch Profitability

There is an old story about the new CEO of a community bank with four branches. As he reviewed the profitability, he saw he had one branch doing very well, two barely profitable, and one doing poorly. He thought he would make the brilliant move of closing the one unprofitable branch, and did so with a lot of fanfare from senior management […]

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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 […]

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