Sentences with phrase «include financial history»

Loan eligibility depends on a number of additional factors, including your financial history, career experience, and monthly income vs. expenses.

Not exact matches

Fundbox uses a proprietary algorithm to gauge likelihood of repayment, starting with your financial data — including accounts receivables, client financial statements, cash flow and payment history — and moving on to public data such as credit ratings, government information and social media accounts.

Mr. McDaniel is a 15 - year veteran of the financial services industry whose work history includes positions at KBS Capital Markets Group and Credit Suisse First Boston.

If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors.

The credit bureau will also consider your business's credit history, including the length of time since your business's oldest financial account was opened, number of credit inquiries and credit utilization.

Given the absence of a public trading market of our common stock, and in accordance with the American Institute of Certified Public Accountants Accounting and Valuation Guide, Valuation of Privately - Held Company Equity Securities Issued as Compensation, our board of directors exercised reasonable judgment and considered numerous and subjective factors to determine the best estimate of fair value of our common stock, including independent third - party valuations of our common stock; the prices at which we sold shares of our convertible preferred stock to outside investors in arms - length transactions; the rights, preferences, and privileges of our convertible preferred stock relative to those of our common stock; our operating results, financial position, and capital resources; current business conditions and projections; the lack of marketability of our common stock; the hiring of key personnel and the experience of our management; the introduction of new products; our stage of development and material risks related to our business; the fact that the option grants involve illiquid securities in a private company; the likelihood of achieving a liquidity event, such as an initial public offering or a sale of our company given the prevailing market conditions and the nature and history of our business; industry trends and competitive environment; trends in consumer spending, including consumer confidence; and overall economic indicators, including gross domestic product, employment, inflation and interest rates, and the general economic outlook.

Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit histories with high - interest rate debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevaFinancial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevafinancial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.

Name: Carolyn Graham, FCPA, FCA, ICD.D Title: Executive Vice President and Chief Financial Officer Areas of responsibility: Finance, treasury, capital management, strategy and investor relations, legal services Years with CWB Financial Group: 18 Career history: Has served at CWB in roles with increasing responsibility since 2000, including Chief Accountant to which she was appointed in 2005.

A number of factors are evaluated, including personal credit history, financial statements, employment history and salary.

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

Conventional sources of finance rely on the borrower's history (how long it has been in business), its overall financial health including profitability, positive cash flow, and debt service coverage.

For those of you not familiar with financial market history beyond the last 10 years, which includes the majority of money managers and other sundry financial «professionals,» Kudlow was the chief economist at Bear Stearns from 1987 to 1994.

This is a critical time for the British, European and global economies; a decisive period for reform of the global financial system including its leading financial centre, the City of London; and a crucial point in the Bank of England's history as it accepts vital new responsibilities.»

Ninthly, had I existed, do you really think my representation on Earth would have such a history of corruption, retardation of science, financial misdeeds, political intrigue, outright criminal behavior and $ exual misconduct, including pedophilia, as the Vatican does.

With more than 30 years experience in various executive positions throughout the U.S., including standings at Southern Wine & Spirits, Imperial Brands and William Grants & Sons, Michael Meany has a proven history of successfully launching new brands, directing personnel and overseeing numerous financial budgets while managing objectives.

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...

These include: lack of social support, financial stress, pregnancy or post-birth complications, breastfeeding challenges, personal or family history with depression or anxiety, and having multiples.

The home study process includes assessments of each parent's character, marital stability, financial situation, lifestyle, and medical history.

This includes everything from your past use of illegal substances to any criminal history, past abortions and miscarriages, your psychological stability, financial situation, religious affiliations, and to whether or not you have had or currently have a sexually transmitted disease.

No one knows for sure what causes PPD, but there are some environmental and genetic predictors for postpartum depression, including a poor support system, marital conflict, a personal or family history of depression, a colicky or difficult baby, financial difficulties, closely spaced births and a traumatic birth experience.

The collective answers revealed that a lot of factors are involved in expectant fathers» depressive symptoms, including financial stress, lack of sleep, increased marital tension, history of mental illness, and even signs of depression in the mother.

Brad Parscale, the political strategist and online guru who was named Trump's 2020 campaign manager, has a close financial relationship with a penny - stock firm with a questionable history that includes long - standing ties to a convicted fraudster, according to an AP investigation.

Applicants must consent to extensive background investigations that include examination of financial status, foreign contacts, and previous employment history, among other things.

In addition, anyone with nuclear weapons duties, in any branch of service, must routinely pass a Pentagon - mandated evaluation called the Personnel Reliability Program — a battery of tests that assess several areas, including mental fitness, financial history, and physical and emotional well - being.

They consider the injury, circumstances surrounding it and aspects of a patient's life, including interpersonal issues, financial problems and a history of suicide attempts, O'Connor said.

Such algorithms, including those that control Google's self - driving cars or the ones that execute trades in the financial markets, demonstrate that for the first time in the planet's history, intelligence can be completely dissociated from sentience, from consciousness.

in order to prevent fraud, cheating and money laundering we may disclose User Information and betting and gaming history to third parties including, but not limited to, any relevant regulator, gaming and sporting bodies, financial institutions and law enforcement agencies or any other body that deals with the investigation of alleged offences.

Of course I fully agree with many of the more accepted goals of the liberal variants of critical pedagogy whose arch-categories include the following — to foment dialogue, to deepen our appreciation of public life, to create spaces of respect and appreciation for diversity, to encourage critical thinking, to build culturally sensitive curricula, to create a vibrant democratic public sphere, to try to change the hardened hearts and minds of our increasingly parasitic financial aristocracy, to build knowledge from the experiences and the histories of students themselves, to make knowledge relevant to the lives of students, and to encourage students to theorize and make sense of their experiences in order to break free from the systems of mediation that limit their understanding of the world and their capacity to transform it, to challenge racism, sexism, homophobia, ableism, to fight against white supremacy, etc..

Oakland Unified School District (OUSD) has a long history of financial problems, including plunging into state receivership in 2003 and, more recently, mid-year budget freezes and cuts.

By applying strong organizational and process improvement skills, Ryan has a history of creating efficiency in customer service - driven companies with operational experience including financial, event planning / scheduling, insurance compliance, and inventory management.

Credit and banking history This would include any information about other outstanding loans or other financial obligations you may have, as well as how you've fared in the past financially.

The Tata Motors - owned Jaguar Land Rover has reported record retail sales of 604,009 vehicles (including sales from its China joint venture) in the financial year, up 16 percent compared to 2015 - 16, exceeding 600,000 units for the first time in the company's history.

Books on his Kindle include The Autobiography of Mark Twain, All the Devils are Here: The Hidden History of the Financial Crisis by Joe Nocera and Bethany McLean, and Truth Heals by Deborah King.

The credit bureau will also consider your business's credit history, including the length of time since your business's oldest financial account was opened, number of credit inquiries and credit utilization.

Your financial history — including your credit score, income, job history and educational background — will dictate your new interest rate when you refinance.

Be sure to include improvements in your financial history too.

Mortgage loans rates and closing costs and fees vary based on many factors, including your particular credit and financial circumstances, your earnings history, the loan - to - value requested, and the type of property that will secure your loan.

These include information from the borrower's financial history, as well as larger figures that indicate the current state of the credit market.

Scores below 580 are indicative of a consumer's poor financial history, which can include late monthly payments, debt defaults, or bankruptcy; individuals in this «subprime» category can end up paying auto loan rates that are 5 or 10 times higher than what prime consumers receive, especially for used cars or longer term loans.

These include economic conditions, financial markets, political decisions, and your own credit history.

There are several factors that go into it which include your current debts and past payment history as well as bankruptcies, foreclosures and other catastrophic financial issues.

But bear in mind that in order to qualify for over $ 25,000, you must prove that you have the financial support for it, including a high personal income and good credit history.

Your actual interest rate may be different than the student loan interest rates in these examples and will be based on term of loan, your financial history, and other factors, including your cosigner's (if any) financial history.

Summaries for all of these financial accounts will include specifics such as payment history, whether the account is in good standing and current balance owed on each account.

However, what most borrowers don't realize, is the interest rate and expected monthly payments are determined by several factors, including the borrower's past credit history, current financial situation and future earnings potential, the lender's costs and desired profit margin, and the loan repayment options the borrower selects.

A mortgage preapproval is a letter from a lender indicating how much of a loan you can qualify for, issued after the lender has evaluated your financial history — including pulling your credit report and score.

FINANCIAL DATA VERIFICATION: You agree that we are authorized to verify financial information, data, and employment history from time to time and at any time, by any necessary means, including obtaining a credit report from any credit bureau or consumer - reporting agency.

Being approved for a loan will depend on a variety of factors including your current financial situation, your employment status and credit history.

The financial assessment process includes analyzing such information as the cost of the property taxes and homeowners insurance, the clients» credit history, assets, expenses, and income.

Lenders consider several aspects of a homebuyer's financial profile, including credit score, payment history, employment history, debt load and income.