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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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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