The Institutional Risk Analyst

Banks | Markets | Fintech

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

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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

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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

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Profile: NexBank Capital, Inc.

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

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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

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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?

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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

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