Risk-Scoring Your Commercial Underwriting—From a Director's Point of View

By Thomas J. Parliment, Ph.D.
President, Parliment Consulting Services, Inc.

Several years ago, I was sitting at a board of directors meeting, while our very excellent, senior credit officer reviewed a package of commercial loans, which we were asked to approve. I was struck by the fact that every loan was rated a “3.” No matter the various situations being evaluated, every loan was a “3.” More >





Out with the Old, In with the New: Funding Strategies for a Flat Yield Curve

Even though the implied forward yield curve remains flat, the Fed continues to telegraph further rate increases. While not a traditionally opportune environment, this situation does offer the opportunity to increase your current income and mitigate the potential effect of rising rates—if you’re willing to extend your liability duration and accept some option risk. More >