Gartner Blog Network

Tag: 'loan-portfolio-management' Blog Posts

from the Gartner Blog Network

Loan Portfolio Management, for Mortgage?

by Kristin Moyer  |  November 2, 2009

Contrasted to credit card issuers and consumer lenders, mortgage servicers are being less aggressive with the use of predictive analytics, optimization and behavior modeling.  For one thing, mortgage servicers have...

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Credit Card Issuers Further Ahead with Pattern-based Strategies

by Kristin Moyer  |  October 23, 2009

Mortgage servicers have been slow to adopt loan portfolio management (a technology that supports pattern-based strategy) and continue to suffer heavy losses.  Contrasted to this, credit card issuers have been...

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Loan Portfolio Management - A Pattern-Based Strategy

by Kristin Moyer  |  October 21, 2009

Gartner has been writing about Pattern-Based Strategies for some time now.  It’s an existing body of research, here are some examples (for paying customers): “Introducing Pattern-Based Strategy" “Balance Investment in...

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Re-engineering Lending Profitability

by Kristin Moyer  |  October 20, 2009

In addition to dealing with delinquency and supporting other risk management capabilities, loan portfolio management can also be used to rebuild portfolio profitability and growth in the face of volatile...

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More Use Cases for Loan Portfolio Management

by Kristin Moyer  |  October 19, 2009

We’ve previously posted on use cases for loan portfolio management.  We know extend this list.  Loan portfolio management can reduce credit loss in the following ways: Distressed portfolio management –...

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“Who” is Important, but “Why” Shows the Way Forward for Delinquency Treatment Strategies

by Kristin Moyer  |  October 16, 2009

One thing loan portfolio management can do is to identify borrowers in distress.  This is very important for revolving lines of credit, as it enables lenders to take action on...

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Loan Portfolio Management in the US Mortgage Industry – What About HAMP?

by Kristin Moyer  |  September 28, 2009

Loan portfolio management in the US residential mortgage industry has hit a speed bump.  The Home Affordable Modification Plan (HAMP) uses a rule-based formula for driving the terms of a modified...

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Default Management Isn’t Enough

by Kristin Moyer  |  September 23, 2009

While GDP is returning to growth in many countries and some economists and government agencies are declaring “recovery,” tell that to the banking industry. Significantly more losses are set to...

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The Emergence of Loan Portfolio Management

by Kristin Moyer  |  July 15, 2009

Loan portfolio management is an emerging technology solution that provides analytics, modeling and optimization - ideally (though not yet) across lending instruments (mortgage, HELOC, syndicated loan).  Loan portfolio management leverages not only borrower attributes, but also...

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