2009 Lending Marketing Risk Management 
South State Correspondent
MAY 15, 2024
Bankers have been taught to diversify their loan portfolio to reduce idiosyncratic (individual borrower) risk and to stabilize earnings. The thinking is that diversification-induced lending leads to banking resiliency. Spreading across geographic markets has substantial costs. in recessions (Leibowitz and Bova 2009).
South State Correspondent
MAY 15, 2024
Bankers have been taught to diversify their loan portfolio to reduce idiosyncratic (individual borrower) risk and to stabilize earnings. The thinking is that diversification-induced lending leads to banking resiliency. Spreading across geographic markets has substantial costs. in recessions (Leibowitz and Bova 2009).
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Jeff For Banks
MAY 20, 2017
Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. They need a marketing person to title their reports.
Abrigo
FEBRUARY 9, 2016
They may include: - Competing and conflicting interests: growth vs. risk - Disconnected processes, departments and technology - Little transparency into portfolio health over time - Lots of data, few actionable insights. “As Speed to market is critical,” Brown says. “An
Jeff For Banks
FEBRUARY 3, 2017
His election has already brought change to the financial markets, sending stocks rising 6%, as measured on the S&P 500 index, and sending interest rates to their highest levels in years. Clearly, the markets expect change. Since the recovery began in June, 2009, real GDP growth has averaged 2.3%. since 2009.
PYMNTS
OCTOBER 1, 2018
The DOJ investigation centered on whether LendingClub had – between January 2009 to September 2010 – misled its FDIC-insured loan originator, WebBank , leading the bank to underwrite over 200 loans that did not conform to the bank’s lending requirements. The DOJ Finding. Attorney Alex Tse. “We The Response.
Perficient
MAY 17, 2022
The inevitable end of the chip shortage will expand the pool of vehicles to choose from and lower transaction prices as the market moves toward some semblance of normal. In 2021, subprime delinquency rates hit the highest mark since 2009. Fewer cars are being sold, perhaps, but profits are reaching record highs. Until it isn’t.
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