Blog Posts in category: pricing and profitability

Metrics Your Credit Analysts Should Review Regularly
Posted on March 25, 2024 by Baker Hill
The Probability of Default (PD) plays a crucial role in credit risk analysis. It serves as a foundational metric that enables lenders to assess the creditworthiness of borrowers accurately. However, this isn’t the only metric worth reviewing on a...

Best Practices for Loan Pricing & Structures
Posted on February 12, 2024 by Baker Hill
Being able to price and structure commercial loans accurately is absolutely critical to a financial institution’s profitability and success, especially when there’s uncertainty around interest rates and overall economic performance as we progress into 2024. A strong credit analyst...

3 Ways to Establish Commercial Credit Policies that Drive Profitability
Posted on May 3, 2023 by Baker Hill
Credit is at the heart of most customer relationships. As many financial institutions continue their digital transformation journeys, it’s important to consider how digital transformation can be applied to commercial lending, a business which often hinges on the relationships a...

Banking in the Balance: The Highs and Lows of Profitability in Today's Banking Landscape
Posted on March 3, 2023 by Mike Horrocks
Prediction: I expect a run on Etsy for bank executives to have some kind of wall art with the famous lines from the Charles Dickens novel, “A Tale of Two Cities.” “It was the best of times, it was the...

7 Strategies for Achieving Balanced Loan Growth – Parts 3 & 4
Posted on May 7, 2021 by Baker Hill
On our blog, we’ve been covering different strategies for balanced loan growth. Today, we’re going to give you parts three and four in one! If you need to, you can find part one and part two to get caught...

Understanding Your Customers to Drive Profitability
Posted on September 28, 2020 by Baker Hill
Today, most financial institutions do not know the profitability of their customers – and they need to. To weather the economic downturn, banks and credit unions need to understand their profitability. On average, only one out of every three...
Posts 1-6 (of 16)