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DTI and Credit Decisioning: How Effective is Your Recipe?

By Chris Carlson | Credit Risk Management credit decisioning DTI debt-to-income ratio
Debt-to-income (DTI) is one of the most critical ratios that financial institutions consider when determining the approval or rejection of applicants.
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Top 5 Indirect Lending Mistakes to Avoid

Here are the five most common mistakes lenders make when operating their indirect lending programs and how decision analytics and business consulting can be leveraged to help.
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How to Avoid Silo Analytics for Improved Credit Decisioning (Part 2)

In the second part of this series, we look at how institutions can avoid a decentralized and fragmented process with their credit decisioning and decision analytics.
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Why a One-Size-Fits-All Approach is a Bad Plan for Profitable Credit Decisioning

Generic scorecards that use large, general populations are good at predicting payment behavior on an average population, but custom scorecards that focus only on the customers in your portfolio are even better for profitable credit decisioning.
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Credit Decisioning’s Three Lines of Defense for Risk Management

This week's blog details the three lines of credit decisioning defense for risk management and welcomes people to request a link to this week's complimentary webinar.
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4 Credit Decisioning Variables Used for Fraud Detection & Prevention

Here's a summary of four types of variables that are often analyzed to provide an assessment of fraud for your financial institution's credit decisioning.
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Custom Scorecards: Your Ticket to More Success

Custom scorecards help lenders make more efficient decisions by providing more precision in targeting applications with a lower risk profile for that specific institution.
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