Common problems of loan portfolio analysis

first_img 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Loan portfolio analysis gets better and better. That is fact and it is computer driven. Smarter software enables much better loan portfolio analysis which, in turn, should yield a keener understanding of credit risks and portfolio concentration issues.And yet there remain persistent problems and bottlenecks that combine to produce lesser results than we might wish in portfolio analysis. A step towards eradicating these issues is to fully understand them. In knowledge there is the power to streamline the analytical process in ways that produce better results for the credit union.A root issue that produces bad results: Bad data. A lot of what went wrong in the mortgage meltdown of the prior decade is just that loans were issued on the basis of bad data—facts that just weren’t facts.  You can’t issue a loan intelligently without knowing the real facts. That mess is behind us but bad data is a perennial.  The corrective step is to do a lot of validation and verification.  That’s becoming standard operating procedure at many, many institutions and it is a good step in a right direction. continue reading »last_img read more

The Best of Social Media from the West Virginia Game

first_imgYurcich should pay half of his salary to Glenn Spencer. Oh and make him cupcakes and cut his lawn…— Evan Epstein (@EvanEpstein60) October 11, 2015 Yes sir #OKST??— Jawun Evans (@j3vans1_) October 11, 2015 Wonder is Shawn Oakman knows who Ogbah is now?— Adam Lunt (@AdamLunt817) October 11, 2015Right?!Imagine someone in 2010 telling you Gundy and Holgorsen would coach a game where the defenses (9) nearly match the offenses (10) in points.— Mark Cooper (@mark_cooperjr) October 11, 2015 When you escape with the W anyway. ?? #PistolsFiring pic.twitter.com/nWet0E9Wy0— Clinton Duncan (@CDuncanDonuts) October 11, 2015[Me all game]Currently. pic.twitter.com/8Gc2wHlYDu— Evan Epstein (@EvanEpstein60) October 11, 2015 #okstate pic.twitter.com/tRyy1sIkfb— Weston Shepherd (@WShep) October 11, 2015 Dana Holgerson’s reaction to that first half. #OKState pic.twitter.com/hrnYTkLInA— Kristopher B. Underwood (@mrcoachU) October 11, 2015 THIS TEAM YALL….THEY SURE DO HAVE GUTS!!!!!!!!!!!! #okstate— d (@dbeeze_) October 11, 2015 The full recap of our run blocking thus far… pic.twitter.com/IyTwik9IU8— Evan Epstein (@EvanEpstein60) October 11, 2015 There’s the Donald Trump package. Make #okstate Air Raid again. #conservative— Carson Cunningham (@KOCOCarson) October 11, 2015Haha!Meanwhile, Mike Yurcich plots #OKState ‘s next offensive series. pic.twitter.com/TdGxCid66R— Mike Harris (@TheMikeHarris) October 11, 2015OKC Dave was on it tonight.Do you think Rudolph did a double take when he was subbed in and Yurcich called a QB keeper?— Dave Hudson (@okc_dave) October 11, 2015 Mike Gundy and Glenn Spencer right now pic.twitter.com/wGeMBHGUgZ— Ryan Oakes (@Oakes_Ryan3) October 11, 2015 Sad face. pic.twitter.com/3d4wmue0HY— ????????? (@PCPokefan) October 11, 2015 Literally every single person watching this game right now. pic.twitter.com/TKc19b0SI8— Pistols Firing (@pistolsguys) October 11, 2015center_img Robert Allen will update his microphone when he’s good and ready to update his microphone— Dave Hudson (@okc_dave) October 11, 2015 I dunno if you heard, but we’re 6-0, Morty. Doing the cabbage patch. Doing the 6-0 cabbage patch, Morty. #okstate pic.twitter.com/iVJn4lixya— Jordan Smith (@Doafhat) October 11, 2015 #Ogbah2016— Weston Shepherd (@WShep) October 10, 2015 How I feel right now #okstate 6-0 #TrumpinEm pic.twitter.com/sEU2W3DOyh— Lauren Daniels (@lauren_daniels4) October 11, 2015 Jordan Sterns on #okstate radio broadcast. “I feel like I’m 50. About to have a heart attack!”— Carson Cunningham (@KOCOCarson) October 11, 2015 Hooooo boy. We survived another week, thanks to the General taking us to the promised land. Here’s the best of social media from the game:Suddenly OSU’s Big 12 wins are looking quite a bit better.— Seth Hix (@Sethhix) October 11, 2015 Rudolph has the utmost confidence in two things: His arm and his receivers. A good trait in a QB— Kieran Steckley (@Kieran_Steckley) October 10, 2015 #okstate is 6-0 pic.twitter.com/fYspcion6w— Tyler Moss (@TyLynnMoss) October 11, 2015 Yep. pic.twitter.com/KKHUhTb3fV— Pistols Firing (@pistolsguys) October 11, 2015 While you’re here, we’d like you to consider subscribing to Pistols Firing and becoming a PFB+ member. It’s a big ask from us to you, but it also comes with a load of benefits like ad-free browsing (ads stink!), access to our premium room in The Chamber and monthly giveaways.The other thing it does is help stabilize our business into the future. As it turns out, sending folks on the road to cover games and provide 24/7 Pokes coverage like the excellent article you just read costs money. Because of our subscribers, we’ve been able to improve our work and provide the best OSU news and community anywhere online. Help us keep that up.last_img read more