Lending Environment Due to COVID-19

April 17, 2020 - 3 min read

Since the rapid onset of the novel Corona Virus striking US and global financial markets, benchmark interest rates have fallen sharply.  Over the past month US Treasury rates for 5 and 10 year securities have quickly moved to historic lows. If your institution is using unadjusted US Treasury rates as proxies for market based cost…

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Lending Considerations for Community Banks During the Coronavirus Pandemic

April 7, 2020 - 2 min read

Register Now The economic impact of the Coronavirus Pandemic is now touching nearly every business and organization in essentially every country around the world.  To be able to continue to support your local community, community-based financial institutions need to be able to respond to the evolving financing needs of each customer, including business borrowers. Understanding…

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LoanPricingPRO® Registers Record Increase in Client Use in 2019!

January 9, 2020 - 3 min read

  Many thanks to our new and continuing clients – we couldn’t do it without You! LoanPricingPRO® software, the commercial loan pricing system from ProBank Austin, had its best year ever in 2019, experiencing client utilization growth of 21%, following solid growth of over 10% in 2018. Growth was fueled by both new clients signing…

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Loan Pricing Model Target Return on Equity (ROE) Calibration

June 24, 2019 - 4 min read

Jun 2019 by Andy Morgan Essential Concepts in Pricing Loans Imagine this scenario. You’ve purchased loan pricing software.  Your team is excited to implement the model to help drive commercial relationship profitability. You install the model, login for the first time, and then the questions start popping up.  Where did these assumptions come from? Why don’t…

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LoanPricingPRO® Quarterly Newsletter

December 19, 2018 - 1 min read

So, What Should Lenders be Doing NOW? Current Lending Environment The US banking environment seems to have entered a new, more unpredictable phase recently.  Economic growth continues to chug along nicely, poised to achieve a 3% plus GDP growth rate on an annual basis for the first time in many years.   However, most major US…

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Credit for Funding on Non-Maturity Deposits

September 13, 2018 - 2 min read

Essential Concepts in Pricing Loans Relationship profitability is an important metric within most pricing models.  While it is important to understand the profitability impact of individual new loans, it is crucial to understand how the pricing decision on a new credit will impact the profitability of the entire customer relationship.  These relationships often include deposit…

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LoanPricingPRO WPF Desktop Edition Now in Beta Release

June 9, 2018 - 1 min read

The team at LoanPricingPRO®  is excited to launch the new Microsoft WPF Desktop Edition. WPF is a mature technology for line of business desktop applications. This new version of LoanPricingPRO®  can be installed on any Windows device, including popular tablets like the Microsoft Surface. Existing LoanPricingPRO®  users will find the user interface to be very…

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LoanPricingPRO® Quarterly Newsletter

May 22, 2018 - 1 min read

Commercial Lending Trends & Strategies – 2nd Quarter, 2018 2018 Small Business Survey Shows Digital Lenders Gaining Ground (article from S&P Global Market Intelligence) Small business borrowers are increasingly looking to digital lenders to meet their financing needs, according to results of an S&P Global Market Intelligence survey. The 2018 survey results suggest that small businesses’…

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Adjusting Your Tax Rate – Essential Concepts in Loan Pricing

January 13, 2018 - 1 min read

With the recent passage of the Tax Cuts and Jobs Act of 2017, now is the appropriate time to review the tax rate assumption in your loan pricing model. It is easy to update this key assumption, but you should also carefully consider the impact of a tax rate change on the other configuration areas…

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Six Ways to Achieve ROI on your Commercial Loan Pricing System Investment

August 5, 2017 - 2 min read

Commercial lending executives often identify two perceived barriers to implementing state‐of‐the‐art commercial loan pricing systems. Cost ranks as the primary objection followed closely by a lack of familiarity with the software’s benefits. Like many other challenges and barriers that may be encountered, there are effective solutions to overcome your concerns with attaining an appropriate Return…

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