Rethinking the Automation of Loan Underwriting

For years, banks have been automating inefficient steps in loan underwriting. Over time, more aggressive institutions have been able to automate the majority of the process—some have even been [...]

Attributes: The Cornerstone of Sound Credit Policy

You’ve heard the term cornerstone before, right? The word comes from the concept of setting the first stone in the construction of a masonry foundation. It is the most important “brick” since it [...]

Underwriting Small Business Merchants: Seeing Risk More Accurately

According to a recent study, difficult economic times can spur greater entrepreneurship. The study, conducted by the Ewing Marion Kauffman Foundation, found that a majority of the largest, most [...]

Origination Automation: Is There Low Hanging Fruit?

In a recent CEB TowerGroup webinar industry analyst Frank Bria stated that all the low hanging fruit of automation has already been accomplished. In a sense, this is certainly true. Banks have [...]

Bringing ROI back to Originating Private Label Credit Card Accounts

Private label credit card originators face a challenge. They manage credit card portfolios that must meet overall risk management goals, yet each brand in their portfolio has unique requirements [...]

Automate Merchant Originations and Grow Wallet Share

The original impetus for loan origination systems and application processing was B2C and involved FI’s strategically finding ways to grow the sheer number of consumers in their portfolios.  [...]