Back to Basics...What is Risk?

Posted on October 13, 2017 at 3:00 PM by Baker Hill

We talk a lot about risk in the financial industry: financial risk management, the role of risk-based capital, measuring profitability based on risk characteristics and the need for risk-based loan pricing, etc.

But what does it really mean?

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Taking the Risk out of Loan Documents

Posted on September 14, 2017 at 2:30 PM by Baker Hill

Financial institutions have always struggled with document management.  The issues have ranged everywhere from archaic storage methods to untrained bankers not getting all the required documents and signatures to documents just simply disappearing.  The latest challenge has been the flow of regulatory changes and the need to adjust instantaneously to these new modifications.

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Credit Unions: Evaluating your Member Business Lending Risk Appetite

Posted on July 21, 2017 at 1:00 PM by Didi Frohardt

Looking at the phrase “risk appetite”, there is more to it than just looking at the types of loans the credit union is willing to lend money for.  Step one would be to determine their market area and the types of industries it determines is a part of their overall risk strategy.  Step two would be to establish on-going risk management to underwrite the credit and step three to establish effective portfolio management after a loan is made. 


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