The Institutional Risk Analyst

Banks | Markets | Fintech

AI, Automobiles & Great Cities

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

1,153 views

Crypto Crash Signal End of Fintech?

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

355 views

QE = Supranormal Credit Risk

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

557 views

Update: Upstart Holdings & Cross River Bank

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

738 views

Profile: NexBank Capital, Inc.

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

373 views

Profile: Cross River Bank

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

342 views

Q4 Earnings | Big Banks & QE

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

644 views

Mortgage Crises Yesterday and Today

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

783 views