The Auto Finance Outlook for 2019

From January 2016 to October 2018, the Dow Jones Industrial Average increased from 16,000 to over 26,000, representing a period of unprecedented growth in...

Where Sub-prime Lenders Can Incorporate Predictive Modeling for Loans

Sub-prime lenders must sense the famous saying all the time nowadays, because the more things change, the more they stay the same. Sure, the...

Maximizing Return – Don’t Trip Over Dollars to pick up Pennies

Shortly after I graduated from college, I worked as a manager for a large retail electronics chain that was rapidly expanding across the United...

Best Practices for Winning Borrowers (Despite Supply Chain Mayhem)

The coronavirus crisis has led to another crisis — major auto supply chain disruptions around the world. Shuttered workplaces and tightened exports, along with...

Will the Real AI Please Stand Up?

I had successfully avoided jury duty my entire adult life, until April of last year. The courtroom was cramped and a bit run down....

Support your Local CFO: Part II

Part II: Preparing for CECL In mid-2016, FASB issued their final guidance on the accounting for loss provision, which requires SEC registrants to accrue in...

Vehicle Depreciation is Rising: Managing Risk in Non-Prime Portfolios

The demand for vehicles has been strong post-recession, and lender portfolios have grown, helping to serve the demand for consumers in financing vehicles. The...

Support your Local CFO: Part I

Part I: CECL is coming! By Daniel Parry One of my favorite actors of all-time is James Garner. Some of the younger crowd may only remember...

Navigating the Credit Cycle

Playing the next stage There is a common misconception that the credit cycle is this perfectly symmetrical sine wave, where credit continuously ramps up, blows...

Are There Pandemic Pitfalls in your Data?

Every year, there are several executive surveys conducted by organizations that produce the primary auto finance conferences. As we emerge from the current crisis,...

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