Blog – Risk & Decisioning
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American Banking and Economics Explained
American Banking and Economics Explained Introduction This tongue-in-cheek explanation of American banking and economics found its way to me via WhatsApp, so the original author is unknown. I thought in light of the current challenges in the US banking industry, it is a very timely explanation! Mary had a bar “Mary is the proprietor of [...]
Meet the ADEPT Decisions Team – Jarrod McElhinney
Meet the ADEPT Decisions Management Team - Jarrod McElhinney Introduction The entire ADEPT Decisions team has always prided itself on providing the ‘personal touch’ to our clients; whether it means going the extra mile on a project, accommodating short-notice configuration changes, or just providing a sounding board to the credit risk team. We believe that [...]
The New Lending Industry Word Salad: Part 2 – Terms and TLAs
The New Lending Industry, a Word Salad, Part 2 Following the article 'The New Lending Industry, a Word Salad, Part 1', we offer an Exploration of Some of the New Terms and TLAs Introduction Whoever said that the lending industry is boring and never changes clearly isn’t up to date on their reading! With the [...]
The New Lending Industry Word Salad, Part 1
The New Lending Industry Word Salad: An Exploration of Some of the New Terms and TLAs Introduction Whoever said that the lending industry is boring and never changes clearly isn’t up to date on their reading! With the exponential growth of fintechs and mobile lenders over the past decade, a whole plethora of new products, [...]
Financial Inclusion
Financial Inclusion Introduction In the 1970s disco era, there was a successful all-ladies German pop group called Silver Convention. One of their top 10 hits was ‘Everybody’s Talking ‘Bout Love.’ Whenever I hear the term financial inclusion, I often think of the lyrics to this song: “You know, everybody's talking about love these days It's [...]
Stories and Learnings from a Career in Risk Management
Stories and Learnings from a Career in Risk Management Introduction For this last article of the year, I thought it would be appropriate to write a light hearted piece about some of the funny or strange things I have encountered in my many years in the credit risk industry. Over these years I met a [...]
Meet the ADEPT Decisions Team – Stephen John Leonard
Meet the ADEPT Decisions Management Team - Stephen John Leonard Introduction The entire ADEPT Decisions team has always strived to provide the ‘personal touch’ to our clients; whether it means going the extra mile on a project, accommodating short-notice changes, or just acting as a sounding board to the credit risk team. We believe that [...]
Risk Tactics for Turbulent Times – Management Strategies
Risk Tactics for Turbulent Times Introduction “There is a tide in the affairs of men, Which taken at the flood, leads on to fortune. Omitted, all the voyage of their life is bound in shallows and in miseries. On such a full sea are we now afloat. And we must take the current when it [...]
Fantasy Planning
Fantasy Planning Introduction “He who fails to plan is planning to fail.” Winston Churchill. It never ceases to amaze me how little credit grantors actually plan. Speaking specifically about the credit risk environment, plans should be created for at least a 12 month cycle, which typically matches the company’s fiscal year. Whereas credit risk managers [...]
Corporate Memory vs. Amnesia
Corporate Memory vs. Corporate Amnesia Introduction Do you remember that Advanced Statistics mid-term that you took in the third year of your university degree? Can you remember what result you received and more importantly, why you did so poorly? Personal memory fades over time and the longer that mid-term test was sat, the less likely [...]
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