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Bank Systems & Technology August 1, 2007 Maria Bruno-Britz	Lenders Focus on Customer Relationships Lenders are challenged to find ways to grow revenue in a more risk-averse climate. As always, technology is playing a key role in their efforts to adapt to the new market conditions.
Bank Systems & Technology June 24, 2008 Maria Bruno-Britz	Not Too Early for Lenders to Regroup and Think Ahead Yes, lenders must clean up the mess left by the credit crunch. But, after all, for every down cycle, there's a recovery, too, and they will want to make sure they're ready with the right strategies and technology for the next upswing in the market.
Bank Systems & Technology March 29, 2006 Maria Bruno-Britz	Originating Relationships Mortgage bankers are mining and analyzing data to get a bigger bang for their relationship buck.
Bank Systems & Technology November 1, 2005 Phil Britt	Show Me the Money Mortgage lenders are investing in technologies to increase process efficiencies and enable better targeting of loan prospects, according to industry analysts.
Bank Technology News October 2010 Sausner et al.	Balancing Act Here's a look at three areas of mortgage lending -- origination risk, default management, and impending regulations -- and some of the answers on the table today.
Bank Systems & Technology November 1, 2006 Maria Bruno-Britz	Banks Redoubling STP Efforts in Lending Practices Banks finally have been able to start automating and streamlining their loan processes to the point where, one day perhaps, there will be virtually no paper or human intervention.
Bank Systems & Technology April 1, 2005 Cynthia Ramsaran	Echoes of the Mortgage Boom With more institutions vying for the business of fewer customers, it's more important than ever for mortgage players seeking to grow revenues to improve service by offering new and differentiated mortgage products, such as Web-based offerings.
Bank Technology News March 2006 Michael Grebb	Cutting To the Chase New rules under the Home Mortgage Disclosure Act require lenders to collect and reveal data on a loan applicant's race, sex and income. Institutions must also share how they determine rate spreads for different applicants.
Bank Systems & Technology November 26, 2007 Maria Bruno-Britz	Lending Tech Vendor Space to See Realignment As lenders find themselves in the throes of the credit crunch, the ill effects are trickling down to the lending technology vendors, ushering in a realignment in the space.
National Real Estate Investor February 1, 2007 Ben Johnson	Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.
Bank Systems & Technology September 20, 2007 Maria Bruno-Britz	Sub-Prime Lending Mess Not Technology's Fault Experts say technology and good decision-making go together in avoiding loan risk.
Commercial Investment Real Estate Jul/Aug 2010 David C. Hannah	Community Banks Step Into a New Role Banks can band together with other similarly situated community banks to share the credit risk through a loan participation or syndication arrangement.
Bank Technology News June 2009 John Adams	Rebuilding Trust in Mortgage Lenders The bad times that remain in the consumer lending market are partly born of a sense of betrayal - secondary market investors simply no longer trust lenders.
FDIC FYI September 17, 2003 Susan Burhouse	Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks.
Bank Systems & Technology June 24, 2008 Ann Grochala	In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system.
Bank Technology News September 2006 John Adams	Mortgage: Making Every Transaction Count As the market cools off, technology is helping mortgage players improve lead generation, closing time and telecommunications to gain new customers and boost performance.
Bank Systems & Technology March 7, 2005 Cynthia Ramsaran	Easing Lenders' Growing Pains While many banks are searching for innovative vendor solutions to update internal systems, others are staying ahead of the rapid growth in lending by teaming with service providers.
Bank Technology News February 2007 Glen Fest	Mortgage Securities: Slow MBS Market Hikes Fraud Risk Investment banks that buy mortgage-backed securities have a deeper worry than the billion-dollar estimate of fraud in lending each year. The fear is that it could be much worse. Technology vendors are selling products that ferret out fraud in secondary market pools.
U.S. Banker November 2007 Frank McKenna	For Mortgage Lenders, Taking the Profitability Road Now is the time for the mortgage industry to focus on rebuilding profitability.
Bank Technology News November 2007 John Adams	Mortgage: How to get "More" accurate with Loans The mortgage tumult has made lenders renew their focus on firmly understanding the true creditworthiness of their leads.
Bank Systems & Technology February 21, 2008 Jim Eckenrode	Exclusive TowerGroup Research Report: Bank Tech Spending in 2008 In light of the current market turmoil, North American banks appear to be approaching technology planning and budgeting for 2008 with caution.
HBS Working Knowledge September 22, 2014 Karen Mills	Online Banks Fill Funding Needs for Small Business In the final column on small business lending, the author is optimistic that the rise of alternative online banks can fund entrepreneurial business growth.
U.S. Banker January 2008 Michael Sisk	The Rise of Lending Communities Peer-to-peer lending holds valuable clues to the nature of lending and borrowing.
FDIC FYI January 29, 2003	Payday Lending Some insured depository institutions have failed to properly assess and control the risks associated with their payday lending programs. The consequences of deficiencies in risk management practices for payday lending programs can be severe.
The Motley Fool August 16, 2007 John Rosevear	Buying a Home During the Storm Essentially, what's going on is that the mortgage industry -- along with Wall Street -- is rethinking the appropriate pricing for taking on the risk of a borrower with a less-than-prime credit history.
U.S. Banker May 2007 Lee Conrad	Subprime Mortgages: As the Knot Unravels, A Question Lingers: Why? Consumers and companies following their self-interest are supposed to be guiding forces that drive a capitalist economy. The recent meltdown of the subprime-mortgage market, however, raises the question of whether all participants were headed in that direction.
U.S. Banker May 2007 Thomas P. Vartanian	Crisis and Opportunity In Subprime Mortgage Markets Problems in the subprime mortgage business will inevitably lead to opportunities for those who can evaluate, service or manage the underlying loans, securities and real estate.
Bank Technology News December 2007 Michael Sisk	The Rise of Community P2P is no threat to banks -- yet -- but the rise of these exchanges, which cut out banks and allow people to lend directly to each other is a phenomenon worth studying. Are P2P exchanges the credit unions of the Internet age?
U.S. Banker September 2008 Tambor & Cortez	The Perils Of Crisis Mode Risk exposure is now racing through the home equity lending industry, leaving a far different landscape for institutions to navigate. As home prices fall and delinquencies soar, lenders are scurrying into defense mode.
Bank Systems & Technology July 23, 2008 Orla O'Sullivan	Fannie, Freddie Troubles May Have Been Avoided If Technology Was Used Properly As observers watch cash-strapped Fannie Mae and Freddie Mac being propped up by the government, many wonder how technology failed to save the agencies and the lenders supplying mortgages to them from being left holding the bag on so many bad loans.
Bank Technology News January 2008 Glen Fest	Risk Without Reward The subprime mess has exposed how fragile banks are today to market pressures, and how much can fall on the shoulders of risk officers. Finding a path forward from the ashes will require stronger leadership overseeing risk.
Bank Technology News October 2009 John Adams	IT Cleanup in the Home Equity Aisle Two risky strategies of the past -- high-cost home equity loans made without tax and insurance escrow accounts, and the use of tech platforms siloed between different types of real estate lending -- are coming back to bite mortgage lenders via tough new regulations.
Bank Director 4th Quarter 2010 Jack Millligan	A Short Leash on Risk Bankers all across the country are beginning to tighten up their lending practices as a response to the regulatory pressure they are under to keep lending plain, conservative, and firmly under control.
Job Journal March 4, 2007 Julia Hollister	Loan Officers Despite the slow housing market, loan and refinancing activity has lenders looking for help.
National Real Estate Investor February 1, 2006 Beth Mattson-Teig	Encore Performance? Mortgage bankers are hoping that 2006 will be a repeat performance of 2005 -- a phenomenal year for commercial and multifamily mortgage originations. But whether those expectations materialize depends largely on interest rates.
National Real Estate Investor May 1, 2007 W. Joseph Caton	Small-Cap Attraction The business of buying, managing and trading smaller commercial properties has now become a favored target market of both portfolio and conduit lenders.
U.S. Banker July 2010	Why We Don't Need Any More Bank Charters Unless bank organizers can make a compelling case that consumers and business owners aren't being served by existing banks, regulators should continue to clamp down on new charters.
Commercial Investment Real Estate Sep/Oct 2003 Peltin & Swibel	Lenders Tighten Loan Standards in Reaction to Uncertain Economy With interest rates at record lows, demand for new mortgage loans remains strong. However, in today's anemic economic climate, lenders face increased risk of making non-performing loans. Commercial lenders have implemented new safeguards and follow stricter policies to minimize exposure.
The Motley Fool October 16, 2007 Dan Caplinger	How Not to Profit From the Mortgage Crisis It's tempting to try to profit from the irrational state of the mortgage lending market. Beware, investors, in many cases, trust deeds are extremely risky.
Commercial Investment Real Estate Jul/Aug 2013 Elizabeth Braman	2013 Midyear Financing Report With an abundance of available capital, the first half of 2013 showed plenty of healthy competition to finance commercial real estate. Will this trend continue?
Bank Technology News February 2005 Shane Kite	Customer Service: Getting A Decision And $$ In One Step Firms like Provident are increasing loan volume, workforce efficiency and customer service by introducing straight-through processing to all aspects of the loan process
U.S. Banker February 2008 Glen Fest	Risk Without Reward Finding a path forward from the ashes of the subprime mess will require stronger leadership overseeing risk, a culture more respectful of interdependent risks and new technologies measuring them across the enterprise.
National Real Estate Investor January 1, 2005 Matt Hudgins	Leaping Through The Lending Trough According to the normal rhythms of the real estate industry, the first years of this decade should have been a slow period for lenders. To the delight of the mortgage industry, it hasn't worked out that way.
Bank Technology News May 2010 John Adams	Tech Providers Pitch Mortgage Processing in the Cloud First American has granted worldwide exclusive rights to Dorado, giving the firm, which offers collaborative cloud computing solutions to financial services clients, the ability to combine First American's data and analytics engines with its own collaborative transaction processing technology.
Bank Technology News October 2008 Clark Abrahams	Reverse Reengineering of Risk The science of risk scoring needs some tweaking.
U.S. Banker November 2008 Clark Abrahams	Reverse Reengineering of Risk As the recent mortgage crisis has exposed, the science of risk scoring needs some tweaking.
Wall Street & Technology September 19, 2006 Tim Clark	The Quiet Market Explosion While most of the industry has been focusing on exotic investment products and emerging markets, the securities lending market has boomed into a $16 trillion business. But with rapid growth comes substantial risk.
U.S. Banker May 2010 Michael Sisk	An Uneasy Relationship Thanks to some high-profile community bank failures, small banks can t get loans from correspondent banks, threatening their own ability to lend.
Entrepreneur May 2008 Scott Bernard Nelson	Between Peers Could a new wave of social lending sites be a good place for your investment dollars?
Entrepreneur April 2005 Crystal Detamore-Rodman	Just Your Size Don't make assumptions about a bank's lending methods based on size alone--here's how to find the bank that can help your business cash in.