Podcasts about Credit risk

In this week's episode of Parsing Immigration Policy, guest host Jessica Vaughan, the Center's director of policy studies, discusses the intersection of immigration policy and municipal finance with Ed Grebeck, a veteran credit market risk expert. About one-third of all municipal bonds issued in 2024 and outstanding through 2024 are from sanctuary jurisdictions, concentrated in […]

Increasing use of artificial intelligence (AI) is spurring massive investment in data centers, which could top $2 trillion in the next four years. But huge energy requirements and uncertainties over future computing needs may pose long-term credit risks to developers, landlords and investors.  Host: Louis Hau, Vice President - Senior Research Writer, Moody's Ratings Guests: John Medina, Senior Vice President, Moody's Ratings; Ryan Wobbrock, Vice President - Senior Credit Officer, Moody's Ratings Related research:moodys.com/datacentersData Centres – Europe: Capacity to double by 2028, but energy access and regulation may constrain growth, 14 April 2025Data Centers – Global: 2025 Outlook – Developer leverage, regulatory risk to rise as growth surges, 14 January 2025  

 Episode Topic John Gordon, CEO of ValidiFI, joins PayPod to discuss how alternative data is revolutionizing credit risk assessment. Discover how using ACH history, bank account behavior, and fraud signals is giving lenders a clearer, fairer view of consumer creditworthiness in today's fast-changing financial landscape.  Lessons You'll Learn Explore why credit scores are no longer enough, and how alternative data fills the gaps. Learn how fraud prevention is evolving, how underserved populations benefit from better data, and why ACH validation is becoming a fintech essential.  About Our Guest John Gordon is the CEO of ValidiFI, a SaaS platform that helps financial institutions assess credit risk and fraud through alternative data. With over a billion consumer inquiries analyzed, ValidiFI helps lenders, processors, and service providers unlock the power of bank behavior, account validation, and predictive analytics to make smarter decisions.  Topics Covered: Credit scores vs. alternative data ACH validation and fraud detection Bank account behavior as a risk indicator Financial inclusion and non-prime consumers Buy Now, Pay Later and missing data in bureaus Emerging trends in data consortiums and fintech regulation  

Jamie Twiss, CEO, Carrington LabsFrom predictive analytics to AI-driven automation, banks and financial institutions are rethinking how to leverage data in order to make better decisions. The current challenge? Separating innovation from hype and ensuring that AI is both explainable and effective. Carrington Labs provides enhanced credit risk scoring and loan management solutions powered by explainable AI. Robin Amlôt of IBS Intelligence speaks to Jamie Twiss, Chief Executive Officer of Australia-based Carrington Labs.

Lode from  AREA42 explains how this innovation vehicle within Credendo is transforming B2B trade finance by offering flexible working capital solutions that make digital trade more accessible and user-friendly.•  AREA42 is the innovation arm of Credendo, a credit insurance company with over 100 years of history• Credit insurance protects sellers when buyers don't pay invoices, unlike factoring, which provides immediate financing• Digital B2B marketplaces often require upfront payment, creating friction compared to traditional trade credit terms•  AREA42 evolved from offering complex credit insurance to providing streamlined working capital solutions• Their approach keeps user experience simple while handling risk assessment complexity behind the scenes• Partnerships with payment service providers help keep costs lower than traditional financial institutions•  AREA42 offers API integration and white-labeling options for seamless incorporation into e-commerce platforms• The biggest learning was shifting from a solution-first to a problem-first innovation approach• Balancing corporate stability with startup agility remains a key challenge and opportunity"Any company in the world, especially in the European Economic Area, we can help you. We can help you with any working capital problem that you have. Come to us, and we will help you."Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech

In this episode of the Risk Management Show, we explore how DelphX Capital Markets is revolutionizing credit risk management for insurers with innovative structured finance solutions. Patrick Wood, CEO of DelphX Capital Markets, shares insights into their groundbreaking product, credit rating securities, and how it addresses the challenges faced by risk managers in the insurance industry. With over 25 years of expertise in capital markets, Patrick explains how this fully collateralized solution can mitigate capital charges, offering a vital tool for insurance portfolio managers navigating today's volatile market. We discussed the evolution of structured finance, the role of AI in credit markets, and why Wall Street's lack of innovation has created opportunities for new solutions. If you're interested in risk management, sustainability, or understanding the next chapter in bond markets, this episode delivers valuable insights. If you want to be our guest or suggest a guest, send your email to info@globalriskconsult.com with the subject line "Podcast Guest Inquiry." Don't miss this conversation for an inside look at the future of credit risk management and innovation in the insurance sector!

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/The Perfect Storm: Credit Risk and Modern Collections with David ReedIn this episode, Mark Treichel sits down with David Reed, of Reed & Jolly law firm, to discuss the pressing issue of credit risk and loan quality in credit unions. As a former in-house counsel and collections manager turned credit union attorney, Reed brings unique insights into modern collection challenges and solutions.Key Topics:Analysis of NCUA's 2024 Supervisory Priorities letter and its unprecedented focus on credit riskRecord-high delinquency rates in credit cards and used car loansThe need to modernize collection practices with new technology and communication methodsImportance of board reporting and corporate governance in managing credit riskBalancing member service with sound financial practices in today's economic environmentGuest: David Reed Contact: david@reedandjolly.com | 703-675-9578

Robin Wigglesworth, editor of Alphaville, the Financial Times financial blog, joins host Patrick Dolan to discuss the differences between synthetic and non-synthetic CRTs, common types of CRTs and their appeal to investors. Robin also reviews the historical developments and differences of the European and US markets, and their impact on the private credit market. We'll also cover regulatory changes like Basel III, and explore the current and future market trends.

After you listenRead Cooper Howard's 2025 Municipal Bond Outlook.Read Collin Martin's 2025 Corporate Bond Outlook.Read Kathy Jones's 2025 Treasury Bonds and Fixed Income Outlook.Follow the Schwab Center for Financial Research on X @SchwabResearch.Is the bond market caught between the Federal Reserve's plans to cut interest rates and the risk of higher inflation and federal debt levels? In Part 2 of our 2025 Market Outlook, we focus on the fixed income markets, including corporate and muni bonds. First, Kathy Jones interviews Collin Martin about his outlook for investment-grade corporate bonds, floating-rate notes, and preferred securities.Next, Cooper Howard offers his outlook on the municipal bond market. He and Kathy also discuss credit quality and the implications of potential tax law changes.Finally, Kathy gives her 2025 outlook for Treasuries and the fixed income markets overall. On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting.If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.  Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Investing involves risk, including loss of principal. Past performance is no guarantee of future results and the opinions presented cannot be viewed as an indicator of future performance.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.Preferred securities are a type of hybrid investment that share characteristics of both stock and bonds. They are often callable, meaning the issuing company may redeem the security at a certain price after a certain date. Such call features, and the timing of a call, may affect the security's yield. Preferred securities generally have lower credit ratings and a lower claim to assets than the issuer's individual bonds. Like bonds, prices of preferred securities tend to move inversely with interest rates, so their prices may fall during periods of rising interest rates. Investment value will fluctuate, and preferred securities, when sold before maturity, may be worth more or less than original cost. Preferred securities are subject to various other risks including changes in interest rates and credit quality, default risks, market valuations, liquidity, prepayments, early redemption, deferral risk, corporate events, tax ramifications, and other factors.Tax-exempt bonds are not necessarily a suitable investment for all persons. Information related to a security's tax-exempt status (federal and in-state) is obtained from third parties, and Schwab Center for Financial Research does not guarantee its accuracy. Tax-exempt income may be subject to the Alternative Minimum Tax (AMT). Capital appreciation from bond funds and discounted bonds may be subject to state or local taxes. Capital gains are not exempt from federal income tax.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Indexes are unmanaged, do not incur management fees, costs and expenses, and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.BLOOMBERG® is a trademark and service mark of Bloomberg Finance L.P. and its affiliates (collectively "Bloomberg"). Bloomberg or Bloomberg's licensors own all proprietary rights in the Bloomberg Indices. Neither Bloomberg nor Bloomberg's licensors approves or endorses this material or guarantees the accuracy or completeness of any information herein, or makes any warranty, express or implied, as to the results to be obtained therefrom and, to the maximum extent allowed by law, neither shall have any liability or responsibility for injury or damages arising in connection therewith.(1224-C0JD)

Today's guest is Shrimanth Adla, Senior Director of Credit Risk at Comcast. Shrimanth's views expressed on today's show are his own and do not speak for Comcast as an organization. He joins us in a special Riskified-sponsored episode to talk about the challenges in credit risk across retail and telecom spaces. Throughout the episode, Shrimanth shares his insights into the evolving risks and strategies needed to address them effectively. He breaks down the nuanced differences between credit and fraud risk, explaining how intent shapes both challenges and responses. From assessing customer creditworthiness to anticipating fraud tactics, Shrimanth illustrates how businesses can strike a balance between prevention and maintaining strong customer relationships. This episode is sponsored by Riskified. Learn how brands work with Emerj and other Emerj Media options at emerj.com/ad1.

In this episode, Yashi Yadav, Host of Masters of Risk and Alisha Rappaport, Producer and Editor of Masters of Risk sit down to recap all the conversations they had throughout 2024. They discuss some of the key topics and thoughts our guests discussed on the show. This video podcast is a reflection of what was top of mind for these business leaders today.  We also share some of our thoughts as we head into 2025. More S&P Global Content: Revolutionising credit surveillance: part one Revolutionising credit surveillance: part two AI's Financial Impact on Intel and Nvidia: A Credit Risk Perspective The Party is Over: Tupperware's Failure Credits: Host: Yashi Yadav Editor and Producer: Alisha Rappaport

Olaf Weber, the CIBC Chair in Sustainable Finance at the Schulich School of Business, has some new research on the link between climate risk and credit risk. Climate change has made the future risky for all of us, and these risks have financial consequences. Prof. Weber explains how this affects banks, oil companies, and investors. Hosted and produced by Cameron Graham, Professor of Accounting at York University. Podcast or Perish is produced with the support of the Schulich School of Business. Visit our website at podcastorperish.ca. Articles by Prof. Weber discussed in this episode:  Oyegunle, A., Weber, O., & ElAlfy, A. (2023). Carbon Costs and Credit Risk in a Resource-Based Economy: Carbon Cost Impact on the Z-Score of Canadian TSX 260 Companies. Journal of Management and Sustainability, 13(1). Hunt, C., & Weber, O. (2019). Fossil fuel divestment strategies: Financial and carbon related consequences. Organization & Environment, 32(1), 41–61.    

My guest today is Adam Abbas, Portfolio Manager and Head of Fixed Income at Oakmark. After recording over a hundred podcasts, I was thrilled to finally chat with another Fixed Income manager. We start with some valuable lessons from investing in the TMT sector, the impact of zero interest rates, and the role of monetary policy in the credit markets. We then explore today's opportunities in fixed income, the growing influence of private credit, and the thinking behind launching a fund at Oakmark. Please enjoy this conversation with Adam Abbas.  For the full show notes, transcript, and links to the best content to learn more, check out the episode page HERE. ----- Making Markets is a property of Colossus, LLC. For more episodes of Making Markets, visit joincolossus.com/episodes. Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. Follow us on Twitter: @makingmkts | @ericgoldenx Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Show Notes (00:00:00) Welcome to Making Markets (00:00:24) The Apple 401k Anecdote (00:00:45) Early Career and Investment Strategies (00:01:39) BlackBerry vs. Apple: A Case Study (00:03:54) Lessons from Lehman Brothers (00:04:35) Navigating the TMT Sector (00:10:40) High Yield Credit Market Insights (00:10:59) Impact of Low Interest Rates (00:12:29) Monetary Policy and Market Reactions (00:14:15) The Role of the Federal Reserve (00:17:49) Global Economic Considerations (00:20:18) Inflation and Deficit Concerns (00:23:40) Market Signaling and Investment Strategies (00:27:21) Credit Market Analysis (00:28:34) Underwriting and Credit Strategies (00:29:07) Investment Opportunities in High Yield and Investment Grade (00:29:40) Leveraged Loans and Floating Rate Instruments (00:31:25) MBS Agency Paper vs. Corporates (00:36:29) Private Credit Market Impact (00:40:28) Oakmark's Fixed Income Strategy (00:48:23) Boeing: A Case Study in Credit Risk (00:53:33) Corporate Credit Cycle Sentiment Learn more about your ad choices. Visit megaphone.fm/adchoices

Greg Hertrich, Managing Director at Nomura Securities International, Inc., joins host Patrick Dolan to discuss the changing world of Synthetic Risk Transfers (SRTs) and Credit Risk Transfers (CRTs). Greg explores the potential impact of increased regulation under a Trump administration on SRTs and CRTs, and how Basel III and other regulatory changes could shape these sectors, including both current and future issuance volumes. Additionally, we look at risk profiles for different loan and asset types, such as large corporate, SME, consumer and commercial sectors.

Katie Binns, director of product management for Morningstar Indexes, discusses bank loans' benefits even as interest rates are expected to fall. William Kerwin, equity analyst for Morningstar Research Services who covers Apple, reveals the two main things he wants to hear about on the earnings call.What Are Bank Loans?Bank Loans vs. Junk BondsThe Role of Bank Loans in Your PortfolioWhy the Market for Bank Loans Has GrownCompanies With Bank Loans TodayWhy Bank Loans Are Less Volatile Than Junk BondsHow Interest-Rate Cuts Could Affect Floating-Rate InvestmentsCould Riskier Credit Investments Default with an Economic Slowdown?What's Coming Up in the Markets?Is Apple Intelligence Worth Upgrading Your iPhone?How Important Are iPhone 16s Holiday Sales to Apple?Why Apple Discontinued Developing Self-Driving Vehicles and Electric CarsCould Nvidia Taking the Title as the World's Most Valuable Company Affect Apple?What to Look for in Apple EarningsApple Stock Outlook Read about topics from this episode.  The Morningstar LSTA US Leveraged Loan Index Highlights a Growing Asset Class Popular With Credit Investors A Way to Protect Your Portfolio Against Bond Price DropsCan Bank Loan Funds Rise to the Top Again?Apple iPhone 16 Event Inspires Confidence Keep up with Morningstar's coverage of company earnings.  What to watch from Morningstar.Is Your Portfolio Built to Withstand a Market Rotation? Inherited IRA Rules: What You Need to Know Before 2025How to Find the Best Health Savings AccountHow GLP-1 Drugs Like Ozempic Are Boosting Biopharma Stocks Read what our team is writing:William Kerwin, CFA Katie Binns Ivanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.Hire us and gain:• Peace of mind during your exam process• Insider knowledge of NCUA procedures and expectations• Strategies to address potential issues before they become problems• Continuous access to our extensive subject matter expertiseWith our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.Guest: Vin Vieten, former commercial lender and NCUA regulatorhttps://www.linkedin.com/in/mark-treichel/Key Points:1. Credit risk rating systems are a standard practice in commercial lending and now required by NCUA regulations2. A good credit risk rating system should be dynamic, accurate, and updated regularly3. Credit risk ratings typically use a scale of 1-8, with 1-4 being "pass" grades and higher numbers indicating increasing risk4. Both quantitative and qualitative factors should be considered when assigning credit risk ratings5. Regular monitoring and updating of credit risk ratings can benefit both the credit union and the borrowerKey Quotes:"Rating credit risk is a standard practice accepted practice. In managing commercial loan risk, all the other regulators focus on it...""To be effective, the risk rating system should be accurate at all times...""I personally believe that the quantitative is the easy part. It's that qualitative. And that's where your skills as a lender come in."Resources Mentioned:1. NCUA Part 723 (MBL/Commercial Lending Rule)2. NCUA Examiner's Guide on Rating Credit Risk3. Interagency Guidance on Credit Risk Review4. OCC Handbook on Rating Credit Risk (2001)Takeaway: Implementing and maintaining an accurate credit risk rating system is crucial for effective commercial lending management and regulatory compliance.

In this episode, Yashi Yadav, Host of Masters of Risk, sits down with Matthew Reilly, Managing Director, Head of Insurance Solutions at Conning. Yashi and Matt dive deep into the world of investment management for insurance companies. They discuss the increased risk appetite in this industry and find the balance of how much risk to take. Matt shares what is top of mind for business leaders today in this industry. Host: Yashi Yadav Editor and Producer: Alisha Rappaport Recent Publications: The informativeness of research reports – Case Study on Real Estate A Wealth Manager Enhances Its Customer Experience with S and P Global Ratings Credit Ratings The Party is Over: Tupperware's Failure  

In this episode of the Risk Intel podcast, the host of the show and SRA Watchtower's CEO, Edward Vincent, welcomed Amitabh Bhargava, Senior Managing Director of Credit Portfolio Management for SRA Consulting back to the show to continue the conversation from last week on the recent U.S. Department of Agriculture's (USDA) 2024 Farm Sector survey released in September 2024. The two discussed the implications for risk management in the agricultural sector, diving deeper into credit risk, how climate change can impact farm and aglending, and also discussed non-credit risks.Follow us to stay in the know!

The U.S. agricultural sector is facing a challenging transition. Following a period of record profitability in 2021 and 2022, the latest USDA 2024 Farm Sector Income Forecast released in September of 2024, projects a continuing decline in farm income. According to Amitabh Bhargava, a seasoned expert in credit risk and portfolio risk management, farm incomes dropped nearly 29% in 2023 and are expected to fall another 9-10% in 2024. This decline represents a slowing of the income reduction but signals continued financial stress for farmers across the nation. Listen to the conversation where host Ed Vincent asks Amitabh to dive into the trends from the recent survey data.Follow us to stay in the know!

This week we discuss the Fed decision & economic projections, the bullish market signals, and the reasoning behind recession calls. We also delve into the trajectory of the economy and cutting cycle, private credit markets, the banana zone, and much more. Enjoy! — Follow Quinn: https://x.com/qthomp Follow Tyler: https://twitter.com/Tyler_Neville_ Follow Jack: https://x.com/JackFarley96 Follow Monetary Matters: https://www.youtube.com/@Monetary-Matters Follow Felix: https://twitter.com/fejau_inc Follow Forward Guidance: https://twitter.com/ForwardGuidance Follow Blockworks: https://twitter.com/Blockworks_ — Weekly Roundup Charts: https://drive.google.com/file/d/195AL7oEaAkimijE0XSnagP8vwzeDat4N/view?usp=drive_link — Join us at Permissionless III Oct 9-11. Use code: FG10 for a 10% discount: https://blockworks.co/event/permissionless-iii — Timestamps: (00:00) Introduction (01:14) FOMC Victory Lap (03:38) Quinn's Framework (06:11) Bullish Rate Cut? (09:30) Summary of Economic Projections (14:32) Bullish Market Signals (18:05) The World Trade (21:09) Trajectory of the Cutting Cycle (24:30) Market Sentiment & Credit Risk (27:50) Private Credit (29:55) Sovereign Debt Crowding Out Private Debt (31:43) Permissionless Ad (32:23) Fiscal Super Cycle (34:09) Energy, Commodities, & AI (37:13) Economic Expectations (39:50) Reconciling Recession Calls (44:35) The Market Gives Something for Everyone (50:38) Oil Market & Liquidity (53:32) The Banana Zone (58:58) Monetary Matters (01:01:09) Balancing Market Views — Disclaimer: Nothing discussed on Forward Guidance should be considered as investment advice. Please always do your own research & speak to a financial advisor before thinking about, thinking about putting your money into these crazy markets.

Title: Credit Risk - NCUA's Top Exam Priority for 2024Key Points:- Credit risk is NCUA's #1 exam priority for 2024- Economic conditions are changing the credit risk environment - Trends show weakening credit quality and increasing delinquencies- Consumers have fallen behind inflation for over 2 years- NCUA is directing credit unions back to credit risk management fundamentals- Examiners will review lending programs, risk management practices, loan modifications, collections, and allowance for credit lossesGuests:- Steve Farrar - Former NCUA problem case officer and VP of Central Liquidity Facility- Todd Miller - Former NCUA examiner, capital markets specialist, and director of special actionsAdditional Notes:- Episode discusses NCUA's 2024 Letter to Credit Unions on exam priorities- Compares credit risk priority to previous years- Analyzes economic factors impacting credit risk like inflation, income growth, unemployment- Mentions potential issues in commercial real estate - Discusses implementation of CECL accounting standard- Notes NCUA's focus on concentration risk justificationThe show notes summarize the key points and guests from the episode while avoiding any direct quotes or reproduction of copyrighted material.

While we take a seasonal break over the summer, we're excited to bring you a special series of Greatest Hits episodes! These episodes highlight the most impactful discussions from past seasons of Making Risk Flow; offering both new listeners a chance to catch up on the essential conversations that have shaped our industry, and long-time followers an opportunity to revisit the insights that continue to resonate today. We hope you enjoy revisiting these highlights, and we look forward to bringing you new content soon.In this Greatest Hits episode, Juan discusses implementing ESG with Simon Tighe, Group Head of Investments, Treasury and Credit Risk at Chaucer Group, and Paul McCarney, Senior Director of Insurance Product Strategy at Moody's. Together, the trio talk through the relevance of ESG data in insurance, the need for standardised data, and how the industry can unite to create a more sustainable future.To discover out more about digital risk processing, click here.Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In the latest episode of The Lending Link, Rich chats with Jason Appel, Executive Vice-President & Chief Risk Officer at goeasy. In this episode, Rich and Jason discuss goeasy's mission to provide everyday Canadians with access to credit and a path to financial improvement. Jason shares goeasy's approach to credit risk management, including their strategies for reducing net charge-off rates while maintaining high growth. They also explore the challenges and opportunities within the Canadian lending market, the impact of data proliferation, and the evolving regulatory environment. Jason recounts goeasy's growth journey, from its beginnings in lease-to-own services to becoming a leading non-prime consumer lender in Canada. He provides valuable insights into responsible lending practices, the importance of customer education, and the significance of aligning with strong partner relationships. This episode is packed with real-world experiences and actionable advice from a leader in credit risk management. Perfect for anyone interested in understanding the nuances of non-prime lending and the broader financial services sector. Tune in and gain expert insights from Jason Appel!

David Prowse, Senior Director, Fitch Wire, and Justin Patrie, Head of Fitch Wire, look into our 3Q24 Risk Headquarters report, covering the ongoing impact of high interest rates, escalating geopolitical risks, real estate market challenges and more.

  Relebogile is in conversation with Kamini Ramsamy, Head of Credit Risk at Absa Home Loans, discussing how Absa Home Loans assesses applicants, the benefits of a deposit, and additional costs for buyers and sellers, including transfer fees, bond registration, and agent commissions.See omnystudio.com/listener for privacy information.

In this episode, Yashi Yadav, Host of Masters of Risk, sits down with Katrina Dudely, Senior Vice President, Public Market Investments, Franklin Templeton, Rachana Kothare, Principal, Corporate & Business Development Finance, Amazon, and Meredith Beddow, Global Head Market Development, RatingsDirect®, S&P Global Market Intelligence. This panel discusses how they have tackled various types of risk throughout their careers and what they have learned as professionals.  They share their successes and challenges. Katrina Dudley: Book: Undiversified: The Big Gender Short in Investment Management (Heilbrunn Center for Graham & Dodd Investing Series) More S&P Content: Credit & Risk Solutions News & Insights Masters of Risk podcast series Credits: Host/Author: Yashi Yadav Prouducer/Editor: Alisha Rappaport Published with Assistance from: Carl Schmidt www.spgobal.com    

My guest today is Tony Cappell, the Co-founder and Principal at the Chicago Atlantic Group. In 2018, Tony saw an opportunity to do private credit in Cannabis and has since built Chicago Atlantic is the largest lender in the space. We start by talking about the early days of Chicago Atlantic. We then move on to the challenges of underwriting in Cannabis, his views on the industry and on competition from other lenders. We end with a discussion on the overall private credit market. Please enjoy this conversation with Tony Cappell.  For the full show notes, transcript, and links to the best content to learn more, check out the episode page HERE. ----- Making Markets is a property of Colossus, LLC. For more episodes of Making Markets, visit joincolossus.com/episodes. Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. Follow us on Twitter: @makingmkts | @ericgoldenx Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Show Notes (00:00:00) Welcome to Making Markets (00:02:31) Entering the Cannabis Private Credit Market (00:04:54) Challenges and Opportunities in Cannabis Lending (00:08:12) Market Segmentation and State Regulations (00:11:51) Credit Risk and Market Dynamics (00:15:12) The Life Cycle of A Cannabis Deal (00:20:12) Diversification Across State Regulations (00:23:47) Brand Power and Regulatory Concerns (00:28:13) Impact of 280E and Rescheduling (00:33:13) Private Credit and Investment Strategies (00:36:44) Challenges and Opportunities in Cannabis Lending (00:45:12) Private Credit Market Outlook (00:50:31) Entering Into an Agreed Asent in Cannabis Investing Learn more about your ad choices. Visit megaphone.fm/adchoices

As the regulatory environment continues to evolve, US and European banks have sought regulatory capital relief by offloading the credit risk of loans they make via special types of transactions.Guests: Warren Kornfeld, Senior Vice President at Moody's Ratings; Nick Monzillo, VP-Senior Analyst at Moody's Ratings; Frank Cerveny, VP-Senior Research Analyst at Moody's RatingsHost: Aaron Johnson, VP-Senior Research Writer at Moody's RatingsRelated reports:Auto ABS - US: Credit-linked notes include risks not seen in typical auto ABS; issuance is risingBanks and Structured Finance – US: Risk transfer gives banks protection, but more capital is better; ABS implications varyBanks and Structured Finance – Europe: Output floor proposal could erode benefits of SRT for regulatory capital and risk management purposes

As the regulatory environment continues to evolve, US and European banks have sought regulatory capital relief by offloading the credit risk of loans they make via special types of transactions.Guests: Warren Kornfeld, Senior Vice President at Moody's Ratings; Nick Monzillo, VP-Senior Analyst at Moody's Ratings; Frank Cerveny, VP-Senior Research Analyst at Moody's RatingsHost: Aaron Johnson, VP-Senior Research Writer at Moody's RatingsRelated reports:Auto ABS - US: Credit-linked notes include risks not seen in typical auto ABS; issuance is risingBanks and Structured Finance – US: Risk transfer gives banks protection, but more capital is better; ABS implications varyBanks and Structured Finance – Europe: Output floor proposal could erode benefits of SRT for regulatory capital and risk management purposes

At what point does a trend become a megatrend? In this week's episode of Cloud 9fin, our very own ABS editor Owen Sanderson is joined by Matthew Moniot, co-head of credit risk sharing at Man Group, in a conversation about Significant Risk Transfers (SRTs) and their potential to reshape the US credit markets. Have any questions or feedback for us? We'd love to hear from you at podcast@9fin.com. 

We talk to Joe Lyons of Bitsight about the growing risk from deepfakes in the age of GenAI. Speakers: Joe Lyons, VP, Cyber Risk & Ratings Research, Bitsight;  Abhi Srivastava, AVP-Analyst, Moody's RatingsHost: Danielle Reed, VP – Senior Research Writer, Moody's RatingsRelated Research: Digital Economy – Cross Region: GenAI-powered deepfakes introduce new and transformed credit risks

Guest FJ Guarrera puts Craig and Josh in the hot seat this month with questions around recent consumer performance, trends and preferences in the card industry. The conversation kicks off with a macroeconomic view of the market since last quarter — ranging from consumer sentiments to card balances and originations to the impact consumer stress levels are having on their financial health. FJ asks how issuers should be responding to elevated risk in the marketplace, and Josh shares strategies lenders might consider to alleviate some of that pressure. Craig shares an update on the private label market; Josh weighs in on when migrating scores may start to normalize; and the conversation ultimately shifts to what issuers can be doing to better understand Gen Z preferences and behaviors — particularly given market dynamics over the last few years. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

In this episode of 'With Flying Colors', host Mark Treichel discusses upcoming compensation regulation rumors, highlights the importance of governance in credit unions, and introduces listeners to guidance resources. The episode features a comprehensive discussion with Vin Vieten, a commercial lending expert, focusing on the intricacies of rating credit risk for commercial member business loans and the significance of an accurate, dynamic credit risk rating system. Treichel and Vieten also discuss the importance of governance, monitoring, and regulatory compliance in sustaining healthy lending practices. Additionally, the episode touches on the rumored regulations aimed at curbing Wall Street pay, stemming from conversations on Twitter (formerly known as X), and emphasizes the critical role of governance as observed in credit union operations.00:00 Welcome and Episode Overview00:04 Upcoming Compensation Regulation Discussion00:12 Governance Update and Guidance00:18 Classic Rewind: Rating Credit Risk on Commercial Loans04:32 Deep Dive into Credit Risk Rating Systems30:46 Exploring Resources for Improving Credit Risk Ratings33:10 Closing Thoughts and Future Topics

The current interest rate environment is driving a rise in downgrades, special situations and liability management exercises. But how to know which of the increasing number of stressed and distressed credits are worth adding to — or keeping in — the portfolio?In this week's episode of Cloud 9fin, senior reporter Bianca Boorer sits down with Rob Fawn, a portfolio manager in the European leveraged finance team at PGIM Fixed Income, to talk about how this new era is creating new challenges and new opportunities for leveraged finance teams.

With Flying Colors: Focus on Credit RiskIn this episode, Mark Treichel invites Steve Farrar and Todd Miller to discuss the NCUA's focus on Credit Risk in its Letter to Credit Unions, as well as the impact of the current economic climate on credit unions and their clients. The hosts analyze various contributing factors to this issue, including increased loan delinquency, rising inflation, and changes in the job market. They debate the relationship between CECL and the state of the economy and express concerns about the consumer's current struggles relative to inflation and interest rates. The discussion ends with a reading of the NCUA's letter on Credit Risk, stressing the need for credit unions to review and adjust risk management processes and lending programs, among others.00:00 Introduction to the Special Episode01:01 Introducing the Guests: Steve Farr and Todd Miller04:45 Discussion on Credit Risk and NCUA's Priorities05:23 Deep Dive into Credit Risk Trends and Concerns09:37 Impact of CECL and Inflation on Credit Risk12:56 NCUA's Official Language on Credit Risk15:56 Conclusion and Sign Off

Credit-risk sharing structures have undergone a significant evolution since the financial crisis, leading us to explore its emergence in markets and transformative impact on modern risk-management strategies. Man Group's co-head of credit risk sharing, Matthew Moniot, joined Bloomberg Intelligence's Noel Hebert and Sam Geier on this episode of Credit Crunch, part of the FICC Focus podcast. The conversation delves into the birth of the asset class, US vs. European markets and the structuring process.

The Inside Economics team revels in the great economic numbers of the past week. The economy not only avoided a recession in 2023, but it ended the year enjoying robust GDP growth and tame inflation. But there are threats at the start of the new year, including a potential seizing up of the all-important Treasury bond market. Samim Ghamami of the SEC joins the podcast to discuss this threat, its causes and implications, and potential reforms to ensure it doesn't upend financial markets and the economy.  Today's guest Samim Ghamami is currently an economist at the U.S. Securities and Exchange Commission, where he works with the SEC senior management on the reform of the US Treasury market and several other capital market initiatives. Ghamami is also a senior researcher and an adjunct professor of finance at New York University, a senior researcher at UC Berkeley Center for Risk Management Research and the Department of Economics, and a senior advisor at SOFR Academy. Ghamami has been a senior economist and a senior vice president at Goldman Sachs. He has been an adjunct associate professor of economics at Columbia University. Ghamami has also been an associate director and a senior economist at the U.S. Department of the Treasury, Office of Financial Research, and an economist at the Board of Governors of the Federal Reserve System.Ghamami's work has broadly focused on the interplay of finance and macroeconomics, and on financial economics and quantitative finance. His work on banking, asset management, risk management, economic policy, financial stability, financial regulation, and central clearing has been presented and discussed at central banks. He has been an advisor to the Bank for International Settlements and worked as an expert with the Financial Stability Board on post-financial crisis reforms in 2016 and 2017. Ghamami also served on the National Science Foundation panel on Financial Mathematics in 2017 and 2018. Ghamami received his Ph.D. in Mathematical Finance and Operations Research from USC in 2009. His publications have appeared in different journals including Management Science, Journal of Applied Probability, Mathematics of Operations Research, Journal of Financial Intermediation, Journal of Credit Risk, Journal of Derivatives, Quantitative Finance, and Journal of Risk. Follow Mark Zandi @MarkZandi, Cris deRitis @MiddleWayEcon, and Marisa DiNatale on LinkedIn for additional insight.

Jim Bianco, President of Bianco Research Advisors, explains the index behind the WisdomTree Bianco Total Return Fund (WTBN) and offers perspective on interest rates and credit risk.  VettaFi's Zeno Mercer discusses the latest around artificial intelligence, including valuations of companies...

Jim Bianco, President of Bianco Research Advisors, explains the index behind the WisdomTree Bianco Total Return Fund (WTBN) and offers perspective on interest rates and credit risk.

In this podcast, Suzanne Perry (RELX), Christof Nelischer (S4 Capital), and Alex Griffiths (Fitch Ratings) provide insight into how corporate treasurers are positioning around credit risk, and identify the factors that could have a material impact on credit quality over the coming 18 months.

In 2023, consumers balanced various financial challenges: the lingering effects of record inflation, rising credit card balances, and student loan payment resumption, among others, leaving many to explore financial products that help make changing personal budgets more manageable. In the same year, credit unions stepped in to fill gaps created by larger financial institutions and provide additional options for consumers currently excluded from the lending marketplace.  This week on The SCORE, we're joined by Yazel Pardo, Vice President of Credit Risk at Patelco Credit Union. Patelco is a full-service, not-for-profit financial cooperative with 450,000 members nationwide. Yazel joins The SCORE this week to tell us how he expects consumers to manage the various headwinds expected in 2024, how industry consolidation among credit unions affects the consumer, and where new opportunities for increasing financial inclusion currently lie.  Listen in as Yazel explains how alternative data helps make credit accessible to local communities and furthers financial inclusion. 

SMBC ManuBank CRO Mike Leary joins the podcast this month to discuss the relationship between risk and financial institutions in today's economic environment. Mike and Craig discuss the lesser-known risks impacting portfolios today, including hidden buy now, pay later loans and credit score inflation. Mike weighs in on positioning a card portfolio in uncertain times; explains why some banks are using credit cards as transactional products; and stresses the need for working tools to properly assess the stability of consumer credit scores. Josh asks for Mike's opinion on which market innovations hold the most promise or red flags, and Mike ideates on what younger generations of employees can do to be successful in today's unusual workforce. Plus, Mike thinks back on his time as a collegiate cross country athlete and how a team-oriented mentality has helped positively shape his career. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

In this episode of The Power of Data Podcast, Sara de la Torre, Head of Financial Services at Dun & Bradstreet in the UK, engages in a conversation with Dame Teresa Graham, UK Chair at UK Finance for SME's, and Dun & Bradstreet's, Ravi Sidhu, our Subject Matter Expert for Credit Risk and Compliance for SME's. The conversation centers on unlocking SME growth in the UK, delving into the transformation of SME finance, exploring the drive for innovation, and discussing contributions towards overarching economic and environmental sustainability goals. 

On this episode of the Lending Link, host Rich Alterman engages in an insightful conversation with Jonathan Gurwitz, Credit Lead at Plaid, offering insights into open banking and its growing role within credit risk management.   Discover how Plaid's visionary strategies are reshaping lending paradigms and leveraging data to unlock new levels of financial accessibility. Gain valuable insights into industry trends, the transformative impact of open banking on lending practices, and the pivotal role of data-driven decisions in shaping the future of financial services. 

In this week's episode of the Coin Stories News Block, we cover the major headlines related to Bitcoin and global finance: Moody's Cuts Outlook on United States to Negative  Bond Auction Shows Weak Demand for Treasury's World's Largest Bank Suffers Ransomware Attack WSJ's Exclusive Report on FDIC's Party Culture  Custodia Bank's Institutional Platform Goes Live  US Population Growth is Nearing Zero Percent -- References mentioned in the episode:  Fitch Downgrades US Government Debt  Moody's Cuts US Outlook to Negative 30-Year Auction Sees Weakest Demand in Years James Lavish's Treasury Auction 101 Thread James Lavish Talking Auctions on Coin Stories ICBC is the Victim of a Ransomware Attack WSJ's Report on the Lewd Behavior Inside the FDIC US Population Growth Lower than the Great Depression Survey Showing Young People Putting Off Children US Average Births Per Woman on the Decline  -- Promotional Links: Bitcoin Nashville is July 25-27, 2024: Get 10% off your passes using the code HODL at  https://b.tc/conference Fold is the best Bitcoin rewards debit card and shopping app in the world. Get 10,000 satoshis when you sign up and spend $20 on the card:  https://www.foldapp.com/natalie Coinkite is your go-to tech company for top-notch Bitcoin custody solutions, including the cold card wallet. Get 5% off using my link: https://store.coinkite.com/promo/COINSTORIES Buy gold and audited precious metals with OneGold: https://www.onegold.com/ CrowdHealth offers the Bitcoin community alternative to health insurance. I spent $100 a month on my health care. Sign up at  https://www.joincrowdhealth.com/natalie  The Orange Pill App is building the social layer for Bitcoin:https://signup.theorangepillapp.com/opa/natbrunell If you're looking for the highest-quality sustainable pork, steak and seafood products, look no further than Campo Grande. For $20 off use code HODL: https://eatcampogrande.com/HODL -- This podcast is for educational purposes and should not be construed as official investment advice. -- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories   #money #Bitcoin #investing

Did you know that there are three types of non-investment grade (credit) bonds in the marketplace today?  When investors think about credit bonds, they are usually referring to just high-yield bonds.  Post the Great Financial Crisis (GFC) though, the non-investment grade bond market has changed and is no longer dominated by just high-yield bonds.  Investors today also have the opportunity to invest in floating rate notes/leveraged loans, as well as private credit.   With credit bonds currently yielding upwards of 8% or more yield, many investors are wondering where is the risk?  Is the risk in high yield bonds, floating rate notes, or private debt?   Today's guest in Bryan Krug, CFA, portfolio manager of the Artisan High Income Strategy, the Artisan Credit Opportunities Strategy, and the Artisan Floating Rate Strategy. Tune in to this in-depth interview with Bryan Krug of Artisan Funds, who proves once again, that delivering alpha requires deep knowledge, an understanding of nuances, and that execution matters. 20231030.32698 

Welcome to the latest episode of the Capitalist Investor podcast, where Tony, Luke, and Derek discussed some fascinating insights into the investment landscape! Today, we tried something different where we talked about five hot topics in five minutes each. Those topics include Bitcoin, Mortgage Backed Securities, Cash, Auto Loans, & U.S. Treasuries.Here are three key takeaways from this episode:  1️⃣ Move beyond traditional investments: Luke, Tony, & Derek explored three alternative ways to invest your money - treasuries, CDs, and lending through the bank. Treasuries, in particular, caught their attention as a low default rate option, but with varying durations from three months up to 30 years.  2️⃣ The Federal Reserve may have lost control: Despite the Federal Reserve not raising rates, yields increased by 1% over a month and a half. This surprising development suggests that the free markets are now pricing in the increasing and decreasing rates, highlighting factors like geopolitical conflicts, economic risks, and inflationary concerns. Prepare for potential significant and rapid movements in either direction.  3️⃣ Big changes in the housing market and beyond: The episode delved into the impact of various factors on the housing market, including the potential entry of Airbnb properties, risk-off periods, and high interest rates.  Tune in to the latest episode of the Capitalist Investor podcast to gain valuable insights and stay updated on the ever-changing investment landscape.

Between rising rates, the UAW strike, and a potential government shutdown, we've got every economic pressure point covered for investors. Plus, real estate magnate Don Peebles joins us to weigh in on the health of the housing market and commercial real estate, including the one city where he's waiting to see a wave of defaults before buying up properties. And Bank of America is slashing their estimates on a pair of department stores on rising consumer risks. You won't believe the shocking numbers behind these retailers' revenues.

Every Tuesday in August, Bret Dooley, Deputy Chief Accountant in PwC's National office, is taking over the podcast to share insights on financial instruments hot topics. In each 25-minute episode, Bret will discuss 5 things you need to know.In this episode, Bret shares insights on the current expected credit loss model, or CECL, and why it's not just for banks. All companies, regardless of industry, need to understand the requirements.In this episode, you'll hear:1:50 - A refresher on CECL3:34 - Insights on the impacts of CECL across industries7:03 - A discussion of how to apply CECL to various asset classes, considerations on estimation methodologies, and why companies should seek continuous improvement in the application of CECL9:32 - Key information to consider when preparing CECL disclosures 11:22 - How subsequent events could impact CECL estimates20:43 - An overview of the FASB's exposure draft that proposes changes to the accounting for purchased credit deteriorated assetsFor more information, read chapter 7 of our Loans and investments guide. Additionally, check out the prior podcast in this mini series.Bret Dooley is a Deputy Chief Accountant in PwC's National office and the financial instruments accounting leader. He has over 25 years of experience in the financial services, banking, and capital markets industries. Bret focuses on emerging financial reporting issues relating to financial instruments, developing interpretive guidance, and assisting clients in resolving complex accounting matters.Heather Horn is PwC's National office thought leader, responsible for developing our communications strategy and conveying firm positions on accounting and financial reporting matters. She is the engaging host of PwC's accounting and reporting weekly podcast and quarterly webcast series. With over 30 years of experience, Heather's accounting and auditing expertise includes financial instruments and rate-regulated accounting.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.com.

Since the emergence of the banking crisis in early March, the bond market landscape has changed dramatically, leading to big swings in performance among bond funds. Today's Stocks & Topics: Consumer Sentiment, Blackstone CEO, IIPR - Innovative Industrial Properties Inc., LifeLock, LUMN - Lumen Technologies Inc., SCHW - Charles Schwab Corp., EQT - EQT Corp., ADM - Archer Daniels Midland Co., VZ - Verizon Communications Inc., U.S. Money Supply, Money Market Funds.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy