Ebook Managing a Consumer Lending Business, 2nd edition, by Arlene Solomon
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Managing a Consumer Lending Business, 2nd edition, by Arlene Solomon
Ebook Managing a Consumer Lending Business, 2nd edition, by Arlene Solomon
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Managing a Consumer Lending Business, 2nd edition, summarizes the lore and knowledge of the business in the early 21st century. It covers many subjects a good manager should know: the importance of how to attract enough good accounts to offset the inevitable bad accounts that every lender will get, controlling line sizes, encouraging use by good customers/controlling the use by bad customers, managing profitability with predictability, if he or she is to effectively run a high-volume consumer business. The second edition covers some of the problems the financial services industry experienced in the early 2000s and some of the resulting regulations implemented. The updated MIS demonstrates and compares this later period to earlier results for the industry.
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Product details
Paperback: 288 pages
Publisher: Solomon Lawrence Partners; 2nd edition (March 8, 2013)
Language: English
ISBN-10: 0971753733
ISBN-13: 978-0971753730
Package Dimensions:
10.4 x 7.9 x 0.8 inches
Shipping Weight: 1.6 pounds (View shipping rates and policies)
Average Customer Review:
5.0 out of 5 stars
10 customer reviews
Amazon Best Sellers Rank:
#575,482 in Books (See Top 100 in Books)
As an analyst new to the Consumer Lending world this book was exactly what I needed.This is the best book I have read in my professional career so far.The sound principles of a managing consumer lending business are so well explained and organized that it can be digested by anyone.Furthermore, and possibly more important, these principles are hard to dispute.I will call on this book from time to time to guide me in my decision making process. Highly highly recommended read!
Very useful reference book. I have used many of the concepts in this book in my consumer lending business.
Great!!
Received as advertised, only just started reading but like what I see so far, exactly what I was looking for.
must read if you in extending credit.
This book is a must-read for those new to the field of consumer lending and a must-review (or even re-read given this is the 2nd edition) for those consumer lenders who have seen a credit life cycle (or more). Arlene Solomon and David Lawrence offer a common-sense and profitable approach to extending credit to consumers and the ability to meld it cohesively that tells a story. You'll feel like you're watching the development of an entire industry, and implosion of some, as you peruse the book.Upon completion, the reader will have a thorough overview of how money is lent, managed, and collected to consumers in diverse businesses as auto, retail, credit card, and mortgage lending. You will learn the questions to pose, tools to use, and analytical reports to build that form the foundation of an effectively managed consumer loan portfolio, whether you represent marketing, operations, risk, finance, customer service, IT, collections, audit or legal.Readers will learn the analytical techniques needed to manage a loan portfolio, regardless of product, and obtain the tools, e.g. champion/challenger, to decide whether or not they can afford to compete with riskier products.Further, readers will understand how this industry evolved. The authors provide historical perspectives of lending (judgmental screening and expert systems), who is credited with developing scoring and early lending successes, who the major lenders are and, sadly, the lenders who didn't properly manage the portfolios and paid dearly. The statistics are insightful, easy to understand, and meaningful, e.g. top ten consumer lenders controlled only 50% in the early 90's, jumped to 78% in '01, and then roared to 85% in 2011. There are many real-world examples, noting situations both well-executed and not.One of the book's greatest assets is that it can be reviewed by topic (there is an excellent index), by chapter, picked up over time or read cover-to-cover. The authors speak directly, without mincing words, although they are quick to say they cannot provide all the answers. At the same time, they blended a certain folksy, Will Rogers-esque humor to their manuscript, making it an enjoyable as well as a highly educational read.While there are more detailed books describing statistical research methods, financial mathematics, marketing theories, and operational planning, I doubt there are other books that combine all of the above factors to offer the reader, at the very least, the opportunity to discuss intelligently all aspects of the consumer lending life cycle. After nearly fifteen years in the consumer lending business, I found this important contribution as valuable now as ever.Sincerely,Patrick ShaughnessySan Francisco, CaliforniaOctober, 2013
This Solomon-Lawrence book takes the complex, changing subject of consumer lending and makes the material clear and useful, whether readers are new to the field or have years of experience. The authors present the big picture — objectives, pros and cons of different procedures — as well as details that make their points vivid and memorable. This is a valuable resource for anyone in the consumer lending business, especially managers who need to know what questions to ask about every component of the credit cycle.
I've followed the work of Dave Lawrence and Arlene Solomon and anxiously awaited this updated edition to their classic on consumer lending. I have been consulting for many years around the world and have always told my clients in any area of lending (credit, operations, marketing and sales) to obtain a copy of their latest book because it is the bible in terms of how to develop and manage the various elements of the business. This new edition updates right through a discussion of the recent financial recession and impact on lending. Not only does the book detail the five building blocks of the credit cycle but it ties it all together with how to manage for profit and control risk and operations with appropriate MIS along with actual examples. Other books in the field are very one-dimensional with risk as a sole dimension of discussion versus the modern theory of managing to optimize profits through proper trade-off of risk and reward. If everyone follows the steps to develop their business through these time-proven principles, there is no reason not to make money.
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