Blog Posts in category: portfolio monitoring

How Will AI Change Lending?

The popularity of artificial intelligence (AI) has skyrocketed since the launch of tools like OpenAI’s conversational chatbot, ChatGPT, which accumulated more than one million users a mere week after going live. ChatGPT effectively brought AI into the mainstream and financial...

Positioning the Balance Sheet for Profitability as High Interest Rates Persist

Rising rates over the last year and a half has posed challenges for financial institutions – from higher deposit costs to reduced loan demand. At the same time, lenders are also having to reassess the credit quality of their loan...

Rising Debt Levels & Implications for Portfolio Risk

Total household debt rose by $16 billion to reach $17.06 trillion in the second quarter of 2023, according to the latest Quarterly Report on Household Debt and Credit from the Federal Reserve Bank of New York. Credit card balances...

Uncovering the Opportunities in CRE Lending

Concerns about commercial real estate (CRE) exposure has some worried about banks' portfolio health, especially regional banks. However, certain CRE sectors are much more resilient than others, and some even present opportunities even in the face of potential economic volatility....

Riding the Credit Wave: Why Proactive Loan Portfolio Monitoring is Your Bank's Lifeline in the Rising Tide of Delinquencies

In the ever-evolving landscape of banking and credit unions, proactive loan portfolio management has emerged as a paramount factor. As financial institutions strive to strike a delicate balance between risk and reward, effective loan portfolio management becomes instrumental in maintaining...

Managing Risk in Your Commercial Real Estate Portfolio

The Fed made headlines in February with its 8 th interest rate hike in the last year. Consumers and businesses are in a tight squeeze, trying to withstand continued inflation while adjusting to higher interest rates. Not only does the...
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