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I often hear about fears of recession and how it will affect loan performance. Having worked in a risk management capacity through the...

Thought I’d take a break from collections to discuss loan originations, and in particular—your auto-decisioning system. I’ve seen many...

At this time, the CECL accounting standard is required for non-public entities with assets of $10 million or more. As smaller lenders...

How accurate are scoring models anyways? In the 1990’s and early 2000’s, scoring models were coming on the scene within financial...

With so much focus around credit quality and risk management, you might not think much about what your portfolio is actually worth. Its...

Are you a small to mid-sized lender, perhaps a regional bank or credit union, or maybe an up-and-coming specialty finance company with...

Ask 10 different managers for their “go to” variable when assessing borrower risk, and you’re likely to get 10 different answers. Having...

Perhaps you started your career as a front-line collector—most likely working early-stage delinquent accounts, and driven with a natural...

For those of you sitting in a manager’s or director’s role, this article is for you. First of all, congratulations for the work that you...

Unless you’ve been living under a rock, you’re undoubtedly aware of where we are in “the cycle”. Loan origination is slowing down,...

When it comes to most lending software, out-of-the-box dashboards and reports are mostly useless, at least that’s been my experience....

Collections Brief #1 What is Skill-based Assignment and How can you make it work? Background The performance of your collections...

In some circles, this is called champion/challenger, in others it’s known as A/B testing—whatever you call it, if you aren’t doing it,...

When it comes to software, all lenders are faced with the “buy vs. build” dilemma at some point. In truth, buy vs. build only exists...

This method has been around for a while, but surprisingly it isn’t supported in most modern LMS systems—mainly because most modern LMS...

LTV stands for Loan-To-Value, perhaps one of the most important measures of risk in asset-based lending products like auto and mortgage....

Thought I’d share some thoughts about collection queues. I know, a pretty boring topic for a LinkedIn article! But it’s NOT, I promise...

I came across these results recently and thought I’d share. Back in early 2018 I introduced several risk management tools and strategies...

Predictive models deliver precise estimates of, well, pretty much whatever you want to predict. In active collections, we like to predict...

Those familiar with call-center collections are probably accustomed with the concept of Delinquency Buckets. When an account ends the...