Sail the Retail Seas

ARRR you ready to assess some retail credit risk? Set sail on the least-requested pirate adventure in maritime history: a musical journey through retail lending. We’ve got mortgages! Auto loans! Credit cards! HELOCs! Questionable underwriting decisions! And a crew that absolutely refuses to stop yelling about DTI! Journey from origination through account management, portfolio management, and collections, where the seas get rough, delinquencies rise, and somebody eventually asks: “WHEN WAS THIS BORROWER’S INCOME LAST VERIFIED?!” So grab your accordion, hoist the spreadsheets, and keep a weather eye on the portfolio. Because dead men tell no tales...but delinquency trends absolutely do. YO-HO-HO AND A DEBT-TO-INCOME RATIO!