Articles

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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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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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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