How is the state of your portfolio? There are four detection methods that with a bit of effort or investment, you can figure it out. Part IV: Detection Methodology Detection of Issues Related to Guideline Deviations There’s this portfolio of loans, and you want to know whether it has any “issues.” Some methods allow you …
Have you ever found yourself saying; “BUT OUR ESTIMATES ASSUME GUIDELINES ARE FOLLOWED!” When it comes to loans, lenders must know the likelihood of repayment, whether collateral exists and what it is worth relative to the value of the loan. That’s why there are guidelines! But what happens when there are deviations from the guidelines? …
Guidelines are the means of determining whether or not to make a loan. Guidelines avoid risk which is important to multiple parties. In Part I of his series, “When The Lender Deviates From The Guidelines,” Charles Cowan, Ph.D. introduced what could go wrong when guidelines are not followed. Part II dives into three key considerations, …
Some community banks are using HR analytics to find links between their human resources departments and their operational and financial systems to improve performance and profits.
