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Lending Perspectives: Why risk-based decisions are hard

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » It seems as though risk-based lending and taking on more credit risk are perceived to be an easy way for credit unions to boost their growth during times of economic expansion. Yet it’s not as easy as it appears to be.After being in the lending business 35 years and spending 30 years at the senior management level, I’ve developed what I call “lender’s inferiority complex.” When times are good, the feedback is that you’re not doing well enough. If your credit union is growing loans at 12 percent, you get asked why you’re not growing at 20 percent like the financial institution down the street.There are good reasons for credit unions to be cautious about risk-based lending, even when economic times are good. As we approach the end of a record-length economic expansion, I’m going to write several installments of this column about how to explain the value of caution in risk-based lending to your colleagues, as thoughtful lending will be even more important as the economy shifts. I hope these will be helpful as you assess your portfolios and explain to your colleagues what you’re doing.last_img read more

NBA free agency rumors: Kyrie Irving may prefer Nets over Knicks

first_imgThe six-time All-Star, who grew up in New Jersey, is averaging 23.9 points and 7.1 assists for Boston this season. He’s shooting 49 percent from the field and 39.8 percent from 3-point range.The Celtics entered play Sunday in fourth place in the Eastern Conference with a 45-32 record. Irving did not play in their loss this weekend to the Nets. The Knicks had been viewed as a front-runner to land Irving, but he may actually prefer to sign with the Nets, the report says.David Griffin, who was the general manager of the Cavaliers while Irving played there, said recently he believes Irving is more likely to join Brooklyn. Related News Kobe Bryant’s advice to Kyrie Irving: ‘Figure out how to connect with’ your teammates Rockets’ Mike D’Antoni praises ‘remarkable’ James Harden after 50-point triple-doublecenter_img Kyrie Irving could have multiple options in New York if he elects to leave the Celtics this summer.The Knicks and Nets are both expected to pursue the 27-year-old star if he opts out of his contract and becomes a free agent after the season, according to a report from the New York Daily News, which cites unidentified league sources. “I think Brooklyn is the fit that’s better for him in terms of his mindset,” Griffin told NBA TV. “I think he likes what they’ve done there, culturally.”last_img read more