Article Archive — Credit Articles
Credit Management in the Age of Recovery
Shifting Sands...
Andrew G. Mesches, a consultant for The Alta Group, and well-regarded for his accomplished career and extensive knowledge in credit and risk management, shares his thoughts on lessons learned from the Great Recession and assessing risk during this post-recession recovery period.
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Assessing Credit & Risk
Business as Usual or a Brave New World?
As the equipment financing industry emerges from the hard times of the past few years, credit managers see a glimmer of hope on the horizon. Assessing credit and weighing risk is more challenging than ever, but liquidity is returning to the marketplace, and new business originations are making a comeback. So, what happens now? Do we go back to business as usual, or is it a brave new world?
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A Practical Discussion of Credit Bureaus and Their Scores
For a Change of Pace
For this year’s Fall Conference Issue, Linda Kester offers Monitor readers a change of pace. Kester takes a look at the credit bureaus and their scores, and since understanding credit is essential to success, it’s a topic that should be near and dear to every broker’s heart.
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A Look at the Credit Side
Tough Times Teach Valuable Lessons, Refocus Priorities
This is the first of a special series devoted to conversations with key executives of Monitor 100 companies. In the series, we will address topics related to the overall editorial theme of the issue at hand. In terms of risk management, who better to launch this column than Andrew Mesches?
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Collections Professionals See Rise in Delinquencies, But Stop Short of Crying Recession
With the current uncertainty about the economy and where it’s going in the near future, we look to collection companies to see if there is an obvious rise in defaults and repossessions. And although in some cases there are, participants in the Monitor’s Collections Roundtable are still playing a game of “wait and see.”
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Measuring & Pricing Credit Risk in Leasing Portfolios
For many years, bank regulators have been developing and refining the regulatory regime to ensure the safety of the global financial markets against shocks and event risk. Bank capital regulation and the consequent market reaction to the new regulatory measures are creating an environment with increasing motivation to adopt and apply sophisticated quantitative risk management tools.
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Credit Scoring Comes of Age
Not a ‘Youngster’ Anymore
Many of today’s scoring models are optimized on various transaction types and data sources and are incorporating additional business data from emerging business data repositories. Application-specific pooled models for specialty markets have also become available. Clearly scoring models for small business decisioning are coming of age.
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