Credit models and the 100-year risk storm

Posted on November 21, 2017 at 2:30 PM by Mike Horrocks

Coming into the year 1900, things looked amazing for America.  Just a few years earlier the Dow Jones Industrial Average was established, Coca-Cola© was first sold in bottles, Aspirin was invented, and the Boston Marathon was held for the first time.  America was more powerful than ever and was on the move.  Nevertheless, if you lived on the coast, you always had a slight chance of a tropical storm or at worst a hurricane – but it was only a chance.  Sadly, the city of Galveston, Texas lost the roll of the meteorological dice and suffered what was the most deadly hurricane in U.S. history.

Read More

A United Approach to Risk Management

Posted on November 2, 2017 at 3:00 PM by Mike Horrocks

Henry Ford is credited to have said, “Coming together is a beginning. Keeping together is progress. Working together is success.”   This is so true with risk management, as you may consider bringing in different business units, policies, etc., into a culture of enterprise risk management.  Institutions that understand the concept of strength from unity are able to minimize risks at all levels, and not be exposed in unfamiliar areas.

Read More

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?

Read More

Subscribe to Email Updates

Recent Posts