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Credit Risk - Banking Exchange
No community bank can control how other institutions’ black eyes make it look. But lenders at the local level can control how their own policies and practices make them look.

Reputation risk in the loan department

Paying attention to policy, details, and decisions safeguards local lenders
Mortgage application fraud risk drops slightly

Mortgage application fraud risk drops slightly

19,700 mortgage apps deemed risky in second quarter 2013, down from 20,900 a year ago
What would your bank do if the largest local employer suddenly pulled out? Blogger Ed O’Leary says the best remedies may be taken before there’s a problem.

Gaping economic holes, the sudden credit problem

Credit concentrations can be unavoidable, but sometimes you can prepare for them
Eventually every bank investor will need an exit strategy. But how that plays out, as renewed interest in M&A grows, will affect lenders’ own mindset and daily life, says blogger Ed O’Leary.

Bank size, credit limits, and investors’ exit options

And why credit staff must worry about all three
TransUnion’s latest payment hierarchy analysis indicates nearly even tendency by people with financial woes to pay their mortgage or credit card debt. Auto loans still have first call on their dollars, however.

Consumer payment hierarchy begins shift

Troubled borrowers’ historical preference towards mortgage bill returning, says TransUnion study
Market rebound attracts greater mortgage fraud risk

Market rebound attracts greater mortgage fraud risk

ARMs seen having significantly higher risk than fixed-rate mortgages
Good and sound banking is no “paint by the numbers” business. Blogger Ed O’Leary rallies bankers to resist those who would make it so.

Time for bankers to think out of the “paint box”

Creative business can’t allow itself to be rendered innocuous
Skilled credit people have been allowed to retire without much thought put into replacing their abilities and experience, says blogger Ed O’Leary.

Is your bank really ready for increased credit demand?

Many credit departments lack muscle and skills necessary to support sound growth
You may think your bank has locked up collateral on a commercial deal, but a federal forfeiture effort could mean that the chain and padlock belong to Uncle Sam, not your bank.

When borrowers go up the river, is your bank up a creek?

Will your bank’s security interest survive a forfeiture action?
The best way to avoid reputation management challenges? Get things right the first time, says blogger and credit veteran Ed O'Leary, so there’s nothing to get a black eye over.

How can we stop reputation erosion?

Post-crisis mud continues its cling
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