Strategies, Best Practices and Thought Leadership

Lending Policies & Processes that Mitigate Risk in Any Economy
Posted on May 10, 2024 by Baker Hill
Managing risk is a core component of banking, but the financial landscape today and over the last few years has been especially fraught with risks. Between ongoing competition for deposits, a struggling CRE space as office vacancies surge, and an...

Celebrating 40 Years of Dreaming
Posted on April 30, 2024 by Mitch Woods
Recently, Baker Hill took our clients to "a whole new world" with our annual client conference, Prosper. We even celebrated our 40th anniversary as a company during the event! It was more than an opportunity to discuss interest rates or...

Avoiding the Most Common Pitfalls in Battle for Deposits
Posted on April 5, 2024 by Baker Hill
The deposit environment has changed drastically in the last couple of years. During the Covid-19 pandemic, interest rates were at zero for an extended period, while the government injected cash into the economy through stimulus payments and PPP loans. The...

Stop Calling It Digital Transformation. It’s an Evolution
Posted on April 2, 2024 by Baker Hill
Digital transformation: what does it mean? It’s often a catch-all buzzword that can mean many different things. According to Techopedia , the phrase was first coined in 2011 by consulting firm, Capgemeni and they define it as “the use of...

Metrics Your Credit Analysts Should Review Regularly
Posted on March 25, 2024 by Baker Hill
The Probability of Default (PD) plays a crucial role in credit risk analysis. It serves as a foundational metric that enables lenders to assess the creditworthiness of borrowers accurately. However, this isn’t the only metric worth reviewing on a...

Balancing the Risks & Rewards of Lending with Effective Credit Policies
Posted on March 18, 2024 by Baker Hill
Credit risk is a significant source of risk for banks, and there’s no doubt that effective credit risk management is critical to minimize losses, protect customer trust, and ensure compliance. While measuring and mitigating credit risk is nothing new...
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