Articles
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PayNet AbsolutePD® Model
by PayNet July 2009
This white paper outlines some key innovations of the PayNet AbsolutePD Model.
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The 12 Secrets of Commercial Credit Scoring:
Confessions of a Closet Quant Jockby Tom Ware in The Monitor September 2005
In this article, PayNet's Tom Ware divulges the 12 secrets of commercial credit scoring. A self-admitted closeted "quant jock," Tom's confessions move the topic from the realm of the arcane to the world of clarity.
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State of the Industry
by PayNet September 2005
Delinquency remained essentially constant during the first quarter of 2005, with a median decline of 3 bps versus the prior quarter among Small Ticket Lenders and Middle Market Lenders alike. Performance did, however, vary by equipment type.
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Benchmarks Show Varied But Improving Credit Trends
by William Phelan and Tom Ware in The Monitor May 2004
Recent economic data suggests that funders, investors and rating agencies concerned about credit quality should feel more comfortable that risk level in the leasing industry is falling. Armed with this knowledge and an improving credit environment, leasing companies are well positioned to begin a new cycle of growth.
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Information-based Risk Management and Tools for Basel II
by Bob Neagle in ELT July 2003
No matter how small or large the business, all lessors and equipment finance companies are interested in asset quality. Whether they securitize, syndicate, or hold for their own account, all of them need a way to monitor their portfolios, and to plan appropriate strategies to insure the collectibility of payments.
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Benchmark Reporting: A Clear View of the Portfolio Management Process
by William Phelan in The Monitor May 2003
Lenders often feel adrift on an uncharted sea, knowing only that the weather is good or bad. Similarly, granular data about segments of the economy are unavailable to lenders due to a lack of detailed information.What is needed, and what is currently available through information technology, is real-time information to allow lenders to react quickly to the changing environment they face.
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