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Blogs by Christine Pratt

October 23, 2014

A July 2014 Standard & Poor's ratings publication noted some disturbing trends in what it considers to be the weakening of asset-backed securities' (ABS) collateral credit quality. Collateral losses are rising on more recent securitizations. Let me hasten to say this is not your big-bank or even most captive-finance portfolios; these are auto loans from finance companies that specialize in deep subprime loans.

May 29, 2014

An American Banker article, "Big Banks Keeping Choicest Mortgages Rather than Sell to GSEs," jumped off the page at me when I saw in the opening paragraph the perennial deep-pocket fall guys Chase and Wells neatly lined up and castigated for doing exactly what they should be doing: making quality mortgages and guarding deposits.

November 26, 2013

A journalist covering the U.S. regulatory scene, Neil Roland from MLex, recently pointed me to a speech by Federal Reserve Bank of New York  President, William Dudley, in which Dudley waxed eloquent on the idea of regulators having a hand in managing bank executives' incentive compensation.  Dudley's advice:

September 30, 2013

New-auto sales in the United States are steadily climbing while sales outlets for new cars decline, opening the post-recession auto market to new or re-emerging auto finance competitors, particularly in the used-car (or "subprime") segment. Today's consumers are exceedingly cautious in signing up for debt and selecting lenders. Many now measure in years their financial struggles: unemployment, rising real-estate debt, college loans, and automobiles that need replacing.


Christine Pratt is a senior analyst at Aite Group, specializing in lending with particular emphasis on credit risk and process management technologies for Aite Group’s Retail Banking & Payments segments. She brings to Aite Group a strong research and consulting background as well as hands-on experience developed working within financial institutions. Ms. Pratt has been widely quoted in national media and industry publications such as The Wall Street Journal, Forbes, American Banker, Bank Technology News, Bank Systems & Technology, and Credit Union News.