When interest rates start to decline, it can feel like the pressure valve in the financial system loosens just a little. Borrowing...

I have already examined key affordability measures like TDS, GDS, DCR, and LTI ratios. These metrics provide essential insights into a...

I recently explored Total Debt Service (TDS) and Gross Debt Service (GDS) ratios as key affordability measures in underwriting. These...

Affordability measures are a cornerstone of responsible lending practices. In an environment where economic conditions fluctuate and...

I recently revisited a book I’d read some time ago, This Time is Different: Eight Centuries of Financial Folly  by Carmen M. Reinhart and...

Lately, I’ve been thinking about how we make sense of risk—not just through data and models but through the stories we tell ourselves...

I’ve always been aware that payments made before a bankruptcy could be subject to clawbacks, but I didn’t realize that investors who...

In the world of credit risk, Cashflow  is arguably the most important of the Five C’s. After all, the ability to repay a loan is the...

When it comes to underwriting, collateral is often viewed as the safety net. It’s the backup plan—the asset that can be liquidated if a...

In consumer lending, the ability to repay a loan— Capacity —is the foundation of credit risk assessment. It’s not just about whether a...

In credit risk, numbers tell a story—but they don’t always tell the whole story. That’s why Character  has always been, in my view, the...

There’s been no shortage of analysis on the potential fallout of a trade war between Canada and the U.S. Many experts have weighed in on...

The fundamentals of credit assessment don’t change, but the world around us does. Economic shifts, geopolitical tensions, and policy...

There’s something to be said for revisiting the basics. In an industry where AI-driven risk models and alternative data sources are...

There’s a spot I love to sit and read—a comfy chair, a few books, maybe a podcast or two. Continuous learning has always been important...