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By Arthur R. Preiss, Ph.D. and Philip B. Preiss  Unless you’ve been hiding under a rock, you know that redlining is a key focus of the regulators in 2017. Redlining is the practice of discouraging applicants or denying loans in specific geographic locations. This article discusses one aspect of how a bank should assess its […]

By Arthur R. Preiss, PhD., and Stephen E. Sudhoff, CFA  Models help us think about our world in a structured way. As credit products have become more complex and computing power has become cheaper and more accessible, analysis of more complex relationships has become easier. And, as our world has become more complex, our need for […]