Sentences with phrase «as credit risk management»

Over the years, Fannie and Freddie have been incredibly adept at meeting their public mission, introducing innovations, such as credit risk management technologies, that en sure a smooth supply of reasonably priced mortgage credit and allow homebuyers to manage their interest rate risk.

Not exact matches

«Given (new CEO Christian Sewing's) background in credit risk and commercial banking it could be seen as a signal of a move from investment banking,» Colin McLean, managing director at SVM Asset Management, told CNBC in an email.

We can all agree that Fannie and Freddie as business models were seriously flawed — private companies with a public charter, poor incentives for management, excess leverage for their book of credit risk, and so forth — and they are rightly being effigized for it.

Its Wholesale Banking segment offers commercial loans and lines of credit, letters of credit, asset - based lending, equipment leasing, international trade facilities, trade financing, collection, foreign exchange, treasury management, merchant payment processing, institutional fixed - income sales, commodity and equity risk management, corporate trust fiduciary and agency, and investment banking services, as well as online / electronic products.

According to the World Bank, «Trade credit insurance (also known as credit insurance, business credit insurance or export credit insurance) is an insurance policy and risk management product that covers the payment risk resulting from the delivery of goods and services.»

Name: Chris Fowler, MA Title: President and Chief Executive Officer Areas of responsibility: Executive management, strategy Years with CWB Financial Group: 27 Career history: Has served at CWB in roles with increasing responsibility since 1991, including, commercial account management (1991 - 1995), credit risk (1995 - 2008), and joined the executive team in 2008 as Executive Vice President, Banking, and then President and Chief Operating Officer Education: Master of Arts Degree in Economics from the University of British Columbia Community involvement: Trustee for the University Hospital Foundation (University of Alberta), Member of the Canadian Bankers Association's Executive Council, director with the Art Gallery of Alberta's board of directors, and campaign cabinet member with the United Way of Alberta Capital Region

«Among the G - SIBs [Global Systemically Important Banks], Deutsche Bank appears to be the most important net contributor to systemic risks, followed by HSBC and Credit Suisse... The relative importance of Deutsche Bank underscores the importance of risk management, intense supervision of G - SIBs and the close monitoring of their cross-border exposures, as well as rapidly completing capacity to implement the new resolution regime.»

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

In this capacity, Candace and her team of 22 credit, asset liability management, and market risk professionals were responsible for a credit portfolio of approximately C$ 110 billion as well as a real estate portfolio of approximately C$ 8 billion.

Debt obligations are subject to credit risk, as they can be downgraded by rating agencies, go into default, or affected by management action, legislation, or other government actions that may in turn reduce the issuers» ability to pay principal and interest when due.

Debt obligations are subject to credit risk, as they can be downgraded by rating agencies, go into default, or be affected by management action or by legislation or other government action that may reduce the issuers» ability to pay principal and interest when due.

Use of these instruments may involve certain risks such as leverage risk, liquidity risk, interest rate risk, market risk, credit risks, management risk and the risk that the Portfolio could not close out a position when it would be more advantageous to do so.

The three leading credit reporting agencies - TransUnion, Experian, and Equifax - as well as numerous smaller, local credit bureaus furnish risk - management credit services and credit reports to their clientele.

This portfolio invests in derivative instruments such as swaps, options, futures contracts, forward currency contracts, indexed and asset - backed securities, to be announced (TBAs) securities, interest rate swaps, credit default swaps, and certain exchange - traded funds that involve risks including liquidity, interest rate, market, currency, counterparty, credit and management risks, mispricing or improper valuation, low correlation with the underlying asset, rate, or index and could lose more than originally invested.

Nick Clements, founder of MagnifyMoney.com and former Director of Risk Management at Citibank explains that factors such as your history with the bank's products, your income, overdrafts or average account balances, or how much money you will put down on a car may factor into custom credit scores.

Emphasis is placed on diversification and credit analysis as the Fund seeks to maximize total return and minimize risk through sector allocation and duration management.

Lenders (and investors in the secondary mortgage market) are putting more emphasis on credit scores as a risk - management tool.

Perry also served as the sole managed futures consultant on a $ 700 million alternative investment fund for Credit Suisse, where he played a key role in fund construction, manager selection, due diligence, risk management, and brokerage introduction.

The problem of thinking it as two credit spreads is that it often results in poor risk - management.

Members should use AORSs in conjunction with their credit - review / risk - management systems and should evaluate the controls imposed on each customer as part of their regular credit and risk - control procedures.

You could also enroll in a debt management plan for reduced interest rates right now, but you risk a mark being placed on your credit report and the account closed as well.

As explained by Charles Schwab Investment Management, and covered in a recent PlanSponsor article, [1] maintaining a given yield level implies adding credit risk when interest rates decline.

Lower credits hedged with higher ones will tend to pick up a steady excess over the risk - free rate, resulting in very high Sharpe ratio, presumably at the expense of occasional very large losses, such as incurred by Long - Term Capital Management.

As lenders consider how to move beyond recession - based management strategies and intelligently re-enter the world of originations and portfolio profit maximization, they can take comfort in the fact that deeper insight about consumer credit behaviors can identify profitable opportunities and expose segments that require increased risk mitigation.

As well as issuing credit cards, the bank offers banking, investment, and asset management services, as well as other financial and risk management products and serviceAs well as issuing credit cards, the bank offers banking, investment, and asset management services, as well as other financial and risk management products and serviceas issuing credit cards, the bank offers banking, investment, and asset management services, as well as other financial and risk management products and serviceas well as other financial and risk management products and serviceas other financial and risk management products and services.

As well as issuing credit cards, the bank offers banking, investment, and asset management services, as well as other financial and risk management products and serviceAs well as issuing credit cards, the bank offers banking, investment, and asset management services, as well as other financial and risk management products and serviceas issuing credit cards, the bank offers banking, investment, and asset management services, as well as other financial and risk management products and serviceas well as other financial and risk management products and serviceas other financial and risk management products and services.

the political establisment embraced the management of «risk» as cheap credit, financial boom brought the taxes in.

It grew from there when we gave a premium credit for attendance at continuing legal education or CLE programs (as they were then called) that provided substantial risk management advice.

A well - written resume sample for Credit Risk Manager showcases duties such as overseeing risk management processes, describing risks that may affect the business, determining the acceptable level of risk, conducting audits, and purchasing insuraRisk Manager showcases duties such as overseeing risk management processes, describing risks that may affect the business, determining the acceptable level of risk, conducting audits, and purchasing insurarisk management processes, describing risks that may affect the business, determining the acceptable level of risk, conducting audits, and purchasing insurarisk, conducting audits, and purchasing insurance.

Banking Managers handle such functions of the bank as risk management, treasury management and credit management.

Banking Managers handle high - level bank functions such as risk management, treasury management and credit management.

Interested in working as a commercial credit analyst for «Liberty Bank,» and help the management in finding out the risks involved in extending credit to customers.

[company name] Services - one of the nation's largest credit union service organizations, PSCU provides credit, debit, ATM, and prepaid card servicing, as well as electronic banking, bill payment, risk management, specialized marketing, and contact center services to over 800 credit unions across the US.

To achieve a position with a company where I can express my skills in credit management and customer service to increase customer retention as well as reducing credit risk.

Managed the approval process through interaction with key business partners, such as Client Management, Risk Management, Credit Underwriters, and Portfolio Management.

Professional Experience Petroliance LLC -LRB-[Insert City, State]-RRB- 7/1996 — Present Credit & Collections Specialist • Oversee all accounts receivables including claims management, charge - backs, customer inquiries, and charge - offs as needed • Act accountable for all credit collections as well as for decisions related to credit approval and suspension • Apply customer remittances to corresponding accounts, while identifying and resolving all posting problems with related cash applications, issuing credit / debit memos regularly, and processing daily cash deposits • Lead overall firm direction with regards to accounts receivable administration and cash flow management, providing relevant guidance, feedback, and direction to finance department staff, management members, and other interested parties • Reduce outstanding receivables and minimize risk associated with marginal customers, consistently exceeding established collections goals while working within all related legal, firm, and industry policies and procedures • Utilize interpersonal skills to maintain quality client service, responding in a timely manner to all documentation requests • Assist credit manager with daily duties as Credit & Collections Specialist • Oversee all accounts receivables including claims management, charge - backs, customer inquiries, and charge - offs as needed • Act accountable for all credit collections as well as for decisions related to credit approval and suspension • Apply customer remittances to corresponding accounts, while identifying and resolving all posting problems with related cash applications, issuing credit / debit memos regularly, and processing daily cash deposits • Lead overall firm direction with regards to accounts receivable administration and cash flow management, providing relevant guidance, feedback, and direction to finance department staff, management members, and other interested parties • Reduce outstanding receivables and minimize risk associated with marginal customers, consistently exceeding established collections goals while working within all related legal, firm, and industry policies and procedures • Utilize interpersonal skills to maintain quality client service, responding in a timely manner to all documentation requests • Assist credit manager with daily duties as credit collections as well as for decisions related to credit approval and suspension • Apply customer remittances to corresponding accounts, while identifying and resolving all posting problems with related cash applications, issuing credit / debit memos regularly, and processing daily cash deposits • Lead overall firm direction with regards to accounts receivable administration and cash flow management, providing relevant guidance, feedback, and direction to finance department staff, management members, and other interested parties • Reduce outstanding receivables and minimize risk associated with marginal customers, consistently exceeding established collections goals while working within all related legal, firm, and industry policies and procedures • Utilize interpersonal skills to maintain quality client service, responding in a timely manner to all documentation requests • Assist credit manager with daily duties as credit approval and suspension • Apply customer remittances to corresponding accounts, while identifying and resolving all posting problems with related cash applications, issuing credit / debit memos regularly, and processing daily cash deposits • Lead overall firm direction with regards to accounts receivable administration and cash flow management, providing relevant guidance, feedback, and direction to finance department staff, management members, and other interested parties • Reduce outstanding receivables and minimize risk associated with marginal customers, consistently exceeding established collections goals while working within all related legal, firm, and industry policies and procedures • Utilize interpersonal skills to maintain quality client service, responding in a timely manner to all documentation requests • Assist credit manager with daily duties as credit / debit memos regularly, and processing daily cash deposits • Lead overall firm direction with regards to accounts receivable administration and cash flow management, providing relevant guidance, feedback, and direction to finance department staff, management members, and other interested parties • Reduce outstanding receivables and minimize risk associated with marginal customers, consistently exceeding established collections goals while working within all related legal, firm, and industry policies and procedures • Utilize interpersonal skills to maintain quality client service, responding in a timely manner to all documentation requests • Assist credit manager with daily duties as credit manager with daily duties as needed

Financial Manager — Duties & Responsibilities Oversee multiple automotive corporate client portfolios, conduct risk analysis, and perform audits Direct corporate loan process and ensure that client collateral is sufficient in cases of default Investigate client credit rating and determine worthiness of consumer credit applications Recruit, train, and manage team of auditors and financial advisors ensuring professional operations Responsible for department budgets, project timelines, and team workflow Perform reviews to determine appropriate employee compensation, recognition, and disciplinary action Serve as a liaison between bank and clients, partners, outside vendors, and community leaders Present reports regarding audit findings, market trends, and client financial health to senior leadership Develop a rapport with customers and orient them to various products and services Encourage high customer retention by maintaining friendly, supportive contact with existing clients Study industry literature to become an expert on products and services Direct sales operations for 35 + car and recreational vehicle dealerships throughout New England Craft effective sales presentations and proposals, tailoring them to clients based on their specific needs and styles Maintain comprehensive records detailing pricings, sales, activities reports, and other pertinent data Represent company brand with positivity, professionalism, and dedication Consistently recognized and promoted for excellence in management, service, and performance

Several premium credits are available, as allowed by state law, including a credit for being an NAR member, holding select NAR designations, continuing education, use of standard contracts, use of home warranties, risk management programs, etc..

Risk - management practices that typically qualify for discounts, or premium credits as they're sometimes known, include

The FCP offers many benefits, including providing at - risk homeowners with financial management tools and education to help them better manage their money and understand their finances; assisting at - risk homeowners with credit counseling to help improved their financial stability, and housing counseling services to assist homeowners as they work with their lender to help avoid foreclosure of their homes.

Freddie Mac also benefits from its conservative credit and interest rate risk management practices and appetite, as well as from a sound capital base and liquid balance sheet.

Such factors include, but are not limited to: the Company's ability to meet debt service requirements, the availability and terms of financing, changes in the Company's credit rating, changes in market rates of interest and foreign exchange rates for foreign currencies, changes in value of investments in foreign entities, the ability to hedge interest rate risk, risks associated with the acquisition, development, expansion, leasing and management of properties, general risks related to retail real estate, the liquidity of real estate investments, environmental liabilities, international, national, regional and local economic climates, changes in market rental rates, trends in the retail industry, relationships with anchor tenants, the inability to collect rent due to the bankruptcy or insolvency of tenants or otherwise, risks relating to joint venture properties, costs of common area maintenance, competitive market forces, risks related to international activities, insurance costs and coverage, terrorist activities, changes in economic and market conditions and maintenance of our status as a real estate investment trust.

Several premium credits are available, as allowed by state law, including a credit for being an NAR member, holding select NAR designations, continuing education, use of standard contracts, use of home warranties, and implementing risk management programs.