PDF Download Managing a Consumer Lending Business, 2nd edition, by Arlene Solomon
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Managing a Consumer Lending Business, 2nd edition, by Arlene Solomon
PDF Download Managing a Consumer Lending Business, 2nd edition, by Arlene Solomon
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Review
In Managing a Consumer Lending Business 2nd edition, Lawrence and Solomon have again assembled a comprehensive tool kit and management guide for running or evaluating a firm making consumer loans. Covering the range of products from credit cards to mortgages, and the range of functions from planning and acquisitions to risk management and collections, it also examines alternative management structures for the business. The chapter structure is well organized and paced, while the writing style is clear, straightforward and with some humor. The authors make extensive use of examples, diagrams and tables to illustrate analytical techniques. Although applicable to a variety of markets and conditions, the book highlights recent regulatory developments in the U.S. and the impact of a recent recession. --Arthur H. Stampleman, formerly of Credit Policy Committee, Citibank (Retired)When I finished each of your prior publications... I thought Arlene and David have nailed it.....they can't top this. Yet, once again you have topped it with the release of Managing a Consumer Lending Business 2nd edition. No matter if the reader is an entry level participant in the consumer credit arena or a seasoned veteran, this book is well worth reading and contemplating. The book has an excellent mixture of sophistication and wisdom yet it is written in plain English so it translates technical material into readable language. A valuable risk manager does take risk....measured risk .....in supporting their respective businesses. This book encourages prudent risk taking and how to get there, responsibly. Congratulations on producing a first class consumer lending tutorial. --Barrett Burns, President and CEO, VantageScore Solutions, LLC
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About the Author
David Lawrence and Arlene Solomon together run a training program in the management of consumer lending for major financial institutions domestically and worldwide. David has over forty years' experience in the consumer lending business. Over nine of these years were at Citicorp, where he was the Senior Credit Officer of the consumer banking group and later its representative on the Credit Policy Committee. David created the bank's first training program for senior management on the consumer credit process.He is the author of both the 1984 Citicorp publication Risk and Reward -- the Craft of Consumer Lending and the 1992 Prentice Hall publication, The Handbook of Consumer Lending, a leading work on the management and control of the high volume consumer lending business. He was also Editor-in-Chief of The Journal of Consumer Lending.Prior to joining Citicorp, David was with Ford Motor Company for 21 years. There, he held a variety of positions which included launching and managing credit businesses in Australia, the Philippines, Japan, and Taiwan.Arlene has extensive experience in consulting for a wide range of businesses. In addition to general consulting in organization and training issues, Arlene's company designs and develops training and general communications programs. The work frequently involves collaboration with senior subject matter experts in complex areas, thus blending content and training expertise.Arlene's firm has been involved in developing training courses for senior managers in planning and implementing principles of credit, marketing, advertising, and data processing. Her firm also develops courses in product knowledge, sales and general management.
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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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