The Keys to Loan Segmentation Success

The Keys to Loan Segmentation Success

As any banker can appreciate, portfolio theory is worthy of a Nobel Prize, literally. In 1952, Harry Markowitz – all of 25 years old then – developed the paradigm that blew away Nobel judges and influenced countless financial services professionals. And who in turn influenced Markowitz? Turns out the Bard was on Markowitz’ reading list, as he quoted “The […]

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A Balancing Act: The Need for Automation and Human Element in Portfolio Risk Management

A Balancing Act: The Need for Automation and Human Element in Portfolio Risk Management

Stephen Hawking predicted that the “rise of artificial intelligence is likely to extend job destruction deep into the middle classes, with only the most caring, creative, or supervisory roles remaining.” So far, this has proven true. The first Industrial Revolution saw machines replace labor, but that was limited to physical jobs. Today, we’re seeing the […]

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Proactive Vs. Reactive Exception Management

Proactive Vs. Reactive Exception Management

  When an institution makes a loan, it is always necessary to monitor specific requirements both before the loan is made and after the loan is booked. Exception management starts as soon as a loan request is received and continues through to payoff. Each loan made has policy, compliance or collateral requirements that must be […]

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