Sentences with phrase «credit risk level»

Lenders in any circumstances will always want to assess your credit risk level, which means they'll be doing their due diligence to look into your credit score and credit history.

The good news: Individual bonds offer a range of credit risk levels and yields for a variety of maturities.

Not exact matches

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

More from Balancing Priorities: What to do with your bond portfolio as Fed rates rise Credit scores are set to rise Don't make these money mistakes when you're just starting out «There is no sense in bearing the risk of an adjustable rate when you can lock in a fixed rate at essentially the same level,» he said.

Possible reasons for the increased lending activity include lower levels of regulation at smaller banks than at their larger counterparts, recent movement of lending staffers from large banks to small banks and an increased willingness of smaller banks to take on credit and interest risk, the report says.

Additionally, a credit card processing company will look at how long you have been in business and even your own credit score to determine the level of risk involved in providing you with credit card services.

These risks and uncertainties include competition and other economic conditions including fragmentation of the media landscape and competition from other media alternatives; changes in advertising demand, circulation levels and audience shares; the Company's ability to develop and grow its online businesses; the Company's reliance on revenue from printing and distributing third - party publications; changes in newsprint prices; macroeconomic trends and conditions; the Company's ability to adapt to technological changes; the Company's ability to realize benefits or synergies from acquisitions or divestitures or to operate its businesses effectively following acquisitions or divestitures; the Company's success in implementing expense mitigation efforts; the Company's reliance on third - party vendors for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the Company's ability to attract and retain employees; the Company's ability to satisfy pension and other postretirement employee benefit obligations; changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the Company's indebtedness and ability to comply with debt covenants applicable to its debt facilities; the Company's ability to satisfy future capital and liquidity requirements; the Company's ability to access the credit and capital markets at the times and in the amounts needed and on acceptable terms; and other events beyond the Company's control that may result in unexpected adverse operating results.

Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure of DBRS to rate the Notes at the anticipated ratings levels, which is a closing condition, or at all; changes in the financial markets, including changes in credit markets, interest rates, securitization markets generally and our proposed securitization in particular; the willingness of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any of which could impact what credit ratings, if any, are issued with respect to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018, which may exacerbate the foregoing risks; and other risks, including those described in our Annual Report on Form 10 - K for the year ended December 31, 2017 and in other documents that we file with the Securities and Exchange Commission from time to time which are or will be available on the Commission's website at www.sec.gov.

But with FDIC reports noting that large commercial banks have the lowest level of loan loss reserves in a decade, and showing concerns about deterioration in credit quality and regional risk factors, Superior is a microcosm of a much broader problem.

With the S&P 500 within about 8 % of its highest level in history, with historically reliable valuation measures at obscene levels, implying near - zero 10 - 12 year S&P 500 nominal total returns; with an extended period of extreme overvalued, overbought, overbullish conditions replaced by deterioration in market internals that signal a clear shift toward risk - aversion among investors; with credit spreads on low - grade debt blowing out to multi-year highs; and with leading economic measures deteriorating rapidly, we continue to classify market conditions within the most hostile return / risk profile we identify — a classification that has been observed in only about 9 % of history.

You may search for and purchase high yield bonds at Fidelity.com, where you can choose the credit rating levels appropriate for your portfolio and risk tolerance.

Lenders developed credit scores to help them understand the level of risk certain borrowers might present.

Experian business credit scores employ multiple factors to measure a company's risk level.

It mentioned that despite GECC improving its liquidity and capital levels since the beginning of the most recent credit crisis, there remains «material risks» with the firm's funding model.

When you apply for a policy, the insurance company may take a look at your credit and debt - to - income ratio to gauge your risk level.

In the company's Q2, 28 % of its cardholders had FICO scores at or below 660, the level considered to be a «fair» quality credit risk.

With that period passed, it's difficult to imagine that investors will soon return to the mindset that Portugal, Ireland, or even Italy, will soon again converge materially - in either economic performance or level of credit risk - with Germany.

Although the majority of credit insurers and policyholders agree that the level of insurance coverage currently purchased is adequate, policyholders tend to exclude certain risks from their credit insurance purchasing.

The real question is what will it take in order to put weaker credits under stress if the 3 % psychological level didn't pose major risks for this asset class?

According to an internal Fannie Mae document, a review of the group's current «risk appetite, eligibility requirements, mortgage insurance options, and pricing» spawned changes spanning credit scoring, income requirements, loan - level pricing adjustments.

Investment and risk management processes need to adapt to these changes and account for systematic risks (including technical) in addition to company - level credit risks.

China's credit rating was downgraded one notch to A + by ratings agency Standard & Poor's (S&P), which cited increased economic and financial risks, following the significant rise in the country's debt levels since the global financial crisis.

The aim is to keep the overall risk status at such a low level that its credit rating is the best possible in relation to that of the Finnish state and that the company's strong credit rating is not compromised through any measures of its own.

We are experienced providing duration matching portfolios with high levels of precision, while also determining the appropriate level of credit risk necessary to generate incremental returns relative government bond portfolio alternatives.

Credit default swaps (CDS) are a proxy for a country's risk level.

This is a junior level position and is ideal for an individual with a quantitative background who is interested in credit analytics, the small business landscape and risk management.

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.

While many lenders use FICO ® Scores to help them make lending decisions, each lender has its own strategy, including the level of risk it finds acceptable for a given credit product.

Regular consumption of green tea has been credited with a number of healthful benefits including improving immune function, reducing the risks of heart diseases and certain cancers, lowering LDL («bad» cholesterol) and total cholesterol levels.

Armed with this information, staff members at the school district, city, and partner organizations have been developing strategies and practices that give both dropouts and at - risk students a web of increased support and services, including providing dropout - prevention specialists in several high schools, establishing accelerated - learning programs for older students who are behind on credits, and implementing reading programs for older students whose skills are well below grade level.

The capture of the risk factor data is part of a comprehensive intake process that also involves determining how far a student is from graduation based on the number of course credits they arrive with, and every student is placed into classes based on their competency level as determined by pre-enrollment testing.

Assata is a holistic, student - centered at - risk program with small class sizes for students who are behind in credits and academic skill levels.

The EWS Online Tool relies on student - level data available to the school or district such as attendance, course failures, grade - point average (if available), credit attainment, and behavior (if available) to identify students who are at risk.

Mortgage insurance is the first level of credit protection against the risk of loss on a mortgage in the event a borrower is not able to repay the loan and there is not sufficient equity in the home to cover the amount owed.

High - yield bonds (also known as «junk bonds») may be subject to greater levels of interest rate, credit, and liquidity risk than investments in higher rated securities.

Insurance companies are using credit scores to assess risk levels and loss ratios.

By knowing how potential lenders view you as a borrower based on your credit score, you can be proactive in your quest to rebuild your borrowing reputation to the level that will make you into an acceptable risk.

Lenders can offer a choice of credit products geared to different risk levels and they have a better understanding of the risk they are undertaking.

The mathematical model is used to predict the level of risk associated with a specific borrower based on the borrower's credit history.

Here's my rationale: different investment banks have differing levels and types of exposure to the credit risks covered by the guarantors.

Bad credit mortgage lenders charge higher rates than banks so that they can compensate for the high - risk level in the investment.

As mentioned earlier, bonds with varying levels of interest - rate sensitivity and credit risk have historically performed differently as rates rise.

The value of these bonds will depend on the credit rating, and because of this there are higher risk levels associated with these investments.

Those who inhabit lower credit tiers represent a high level of risk, because they are statistically less likely to repay loans and credit - card charges on time.

This is done in a bid to determine the level of risk you carry before offering you any credit.

So long as the appropriate margin levels are maintained at the main brokerages, and the main brokers don't experience conditions that dramatically change their credit quality, counterparty risk is not a problem.

In our opinion, the so - called «spread sectors,» from high - yield bonds to non-agency mortgages and emerging - market debt (EMD), currently offer attractive levels of credit, prepayment, and liquidity risks, particularly for investors who know how to analyze these risks.

These are bonds from issuers whose risk levels prevent them from qualifying for «investment grade ratings» by the primary bond credit rating agencies.

As real estate markets and employment levels improve, the theory goes that conventional mortgage lenders will be exposed to less risk, and therefore may loosen credit criteria as default levels fall.

«We've designed the Purpose Premium Yield Fund to provide investors with a great way to achieve higher levels of income, but without taking on credit or interest rate risk,» he adds.