The Institutional Risk Analyst

If it’s artificial, then it’s not intelligent.

Despite all the hyperbole, the great crypto fraud was a small game, like the party poker that many crypto enthusiasts share in common

Given the demand for safe assets, the true risk free rate today is probably less than zero. Ponder that Chairman Powell

If investors and partner banks don’t want to buy UPST loans at current market rates, then the game is over in an originate to sell model

Among the ten largest mortgage specialization banks, NexBank had among the best equity returns in Q3 2021

Bottom line, when a bank seems to be doing much better than other banks, there is usually a reason and that reason is almost always bad

In the short-run rising interest rates and spreads will help bank earnings. But where is the next credit hot spot?

As we move into Q4 2021 earnings, keep your eyes peeled for news of restructuring of urban commercial commercial and multifamily properties