On the Minds of Bankers

On the Minds of Bankers

Another great post on the Asset Management Group blog by our friend Dallas Wells. “…I get the feeling some banks are starting to give on credit standards. Of course, it is always the bank down the street, but every market seems to have a few cowboys. I am...
Low Yields, Loosening Terms Raise Risk for Banks

Low Yields, Loosening Terms Raise Risk for Banks

We’ve seen an uptick in stories lately about the trend toward relaxed standards and reduced pricing – particularly in Commerical and Industrial lending. “…Nearly two-thirds of banks with assets of more than $20 billion say they have lowered...
88 Percent of Spreadsheets Have Errors

88 Percent of Spreadsheets Have Errors

We talk to a lot of banks that have used, or are still using spreadsheets to model their loan profitability. Aside from the fact that modeling alone is not enough, according to multiple studies nearly 90% of spreadsheets in the world today have significant errors....
What is Relationship Pricing?

What is Relationship Pricing?

One of the first problems that we encounter in discussing “relationship pricing” is that it often means very different things to different people in different contexts: Does it just mean overall flexibility in pricing? Does it mean the ability to price a...
How one bank improved loan quality and earnings this year

How one bank improved loan quality and earnings this year

Whether you had a disappointing year or a good year in 2011, what will you do in 2012 to improve your bank’s performance?  Read below to learn what one bank did to significantly improve bank earnings and loan quality in 2011. A New Bank President “Bob” was hired as...
MarginPro is now PrecisionLender

MarginPro is now PrecisionLender

Effective as of August 15, 2011, we changed our business name fr om MarginPro to PrecisionLender.  There is no change in ownership or management. By the name change, we hope to more accurately reflect our expanding solutions.  Specifically, while our original loan and...