ABA Banking Journal - July 2013 - (Page 20)

tech topics CREDIT RISK MANAGEMENT Broader reach, tighter regss Advanced data analysis and new business approaches help banks navigate through a challenging credit market BY JOHN GINOVSKY, CONTRIBUTING EDITOR I 20 | ABA BANKING JOURNAL | JULY 2013 t’s harder than ever today to make a good loan. The definition of a “good loan” has not only changed, but has been codified by the government, especially in the mortgage area. In addition, the economy is evolving in different ways than before, with a shift in population demographics, a resurgence of the rental market, and the emergence of new credit problem areas, such as student loans. In response, lenders and those who help them, are employing new tools and approaches to better deal with today’s pressures, so that loans— hopefully productive ones—still can be made in the future. Regulations rule Earlier this year, the Consumer Financial Protection Bureau (CFPB) issued its “Ability to Repay” regulations and “qualified mortgage” rules. Among other things, these rules require lenders to know a potential borrower’s debt-to-income ratio, and prohibits a loan unless the ratio is less PHOTOS: PHOTOBANK.KIEV.UA/SHUTTERSTOCK.COM

Table of Contents for the Digital Edition of ABA Banking Journal - July 2013

ABA Banking Journal - July 2013
Contents
Chairman’s View
Editor’s Column
The Economy
Bank Notes
Picture This
Community Banking
Pass the Aspirin
Tech Topics
Cover Story: Pay Choices
State Association Roundtable
Compliance Inbox
ABA At Your Service
First Person

ABA Banking Journal - July 2013

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