Table Of Content

The Journal o f LENDINGG CREDIT RIsk MANAGEMENT Subject/Author Index September 1998—July/August 1999 This is a cumulative subject/author index of the articles published in The Journal of Lending © Credit Risk Management in the past year. Reprints or copies of the articles listed in this or any of the previous indexes are available from RMA. Contact RMA Customer Relations at 1-800-677-7621 to order an entire issue or the RMA Library at 215-446-4111 to order indi- vidual articles. APPRAISALS Institutions, Part 1: The Debtholder’s Perspective, by A Wink & A Nod, by Richard C. Sorenson, February John Drzik, Peter Nakada, Til Scheurmann, September 1998 1999 Risk, Capital, and Value Measurement in Financial Things You Sorta Know About Appraisals —Part One: Institutions, Part 2: The Shareholder’s Perspective, by The Cap Rate Quiz, by Gregory J. Accetta, June 1999 John Drzik, Peter Nakada, Til Scheurmann, November 1998 Things You Sorta Know About Appraisals —Part Two: Managing Capital Resources Efficiently to Optimize The DCF Quiz, by Gregory J. Accetta, July/August 1999 Shareholder Value, by Frank Morisano, September 1998 BALANCE SHEET MANAGEMENT COLLATERAL Capital Priorities: Practical Advice on Implementing Abject Over Assets? Consider Multilateral Trading, by RAROC, by Eric Falkenstein, May 1999 Bill Levitz, February 1999 Cost and Profit Efficiency: View from Beyond the COMMUNITY BANKING Balance Sheet, by Jeffrey A. Clark and Thomas F. Siems, May 1999 A Community Bank Perspective, by Jack Goldstein, February 1999 BANKRUPTCY Internet Banking Is in the Future of Community Bankrupt Bank Loan Recoveries, by Lea V. Carty, Banks, by Kathleen M. Beans, July/August 1999 David T. Hamilton, and Adam Moss, June 1999 Opening a Successful Start-Up Bank Requires Careful Bankruptcy Futures: Hedging Against Credit Card Planning, by James W. McKeighan, III], May 1999 Default, by Russ Ray, June 1999 Risk Ratings Revisited, by John E. McKinley, November What’s Wrong with the U.S. Personal Bankruptcy Law 1998 and How to Reform It, by Michelle J. White, November CONSUMER RisK 1998 Encouraging Lenders to Stop, Look, Listen, by Julie BORDERLESS BANKING Williams (speech text), September 1998 Mitigating Trade Finance Risk through Forfaiting, by High Loan-to-Value Mortgages: Problem or Cure? by Carole Lustig, April 1999 Charles W. Calomiris, September 1998 Prepare to Set Sail. . . Traveling Overseas via Letters of Integrating Global Risk Objectives into Collections, by Credit, by Janell Blue, April 1999 Jeff Bernstein, October, 1998 A Question of Balance: Counterparty Credit Risk Keeping the Ones with “The Right Stuff,’ by Gautam Management, by Donald T. Vangel, April 1999 Bose and Erick Haskell, April 1999 A Single European Market, by Lode Beckers, April 1999 Mortgage Industry: Boom or Bust? by Richard X. Bove, September 1998 CAPITAL ALLOCATION Relationship Information Belongs in Consumer Credit Capital Allocation Reform Critical to Modernization, Decision-Making, by Ron Robine, December 1998 by Pam Martin, September 1998 The Economy: It Ain’t Over ‘til It’s Over, by Diane C. Risk, Capital, and Value Measurement in Financial Swonk, September 1998 51 September 1998—July/August 1999 Index The Economy: Looks Good, but Watch Out, by Mark Where Were The Auditors? by Gary D. Zeune, May 1999 Zandi, September 1998 HEALTHCARE LENDING CREDIT FUNDAMENTALS Asset-Based and Mezzanine Lending to Healthcare Bank Liquidity, Short Memories & Inescapable Basics, Providers: Credit and Collateral Analysis, by Neil M. by P. Henry Mueller, May 1999 Freeman and Anton I. Matusevich, June 1999 How to Compute DSC? Let Us Count the Ways, by Financing Physician Practice Purchases, by Mark O. Richard A. Hamm, May 1999 Dietrich, October 1998 Give and Take: Reimbursement (and Other) Changes CREDIT DERIVATIVES in the Healthcare Industry, by Theresa M. McCullough, New Accounting for Derivatives and Hedging Activities, March 1999 by G. Robert Smith and Arlette C. Wilson, March 1999 INDUSTRY CLASSIFICATION CREDIT Risk MANAGEMENT Moving Toward NAICS, by Mark Zmiewski, June 1999 The Changing Nature of Risks in the 21st Century, by Eugene A. Ludwig, March 1999 INTERVIEWS Credit Risk Challenges in the Next 18 Months, by BNP Keeps Vigil over Risk Management: An Interview William R. Barrett, March 1999 with Edouard A. Sautter, by Nicholas Hayes, April 1999 A Question of Balance: Counterparty Credit Risk Checking the Risk Horizon? Catch the View from Management, by Donald T. Vangel, April 1999 Citigroup: An Interview with Ann Goodbody, by Comprehensive Income: Gauging a Company’s Beverly Foster, January 1999 Exposure to Risk, by Diana R. Franz, Dean Crawford, Customer Service Gets More than Lip Service at Denise de la Rosa, November 1998 Exchange Bank: An Interview with C. William Organizing a Financial Institution to Deliver Reinking, by Beverly Foster, June 1999 Enterprise-Wide Risk Management, by Michael Customers Like to Know Their Banker: An Interview Haubenstock, February 1999 with Joseph S. Calvaruso, by Kathie Beans, March 1999 Risk Is More Than Credit, by Carlos Mufioz, February Diversification Counts in USA Loan Portfolio 1999 Management at CIBC World Markets: An Interview Risk Management: How Regional and Community with Loretta Hennessey and Michael Rulle, by Elliot Banks Can Survive and Win in the Credit Cycle Game, Asarnow, May 1999 by Loretta Fansler and Martin J. “Dev” Strischek, The Game’s Afoot! An Interview with Bank of December 1998 Montreal’s Brian Ranson, by Elliott Asarnow, July/August 1999 CREDIT SCORING Goldman Sach’s Risk Wrangler: An Interview with Ten Steps to Better Credit-Scoring, by Michael Todd, Allen J. Levinson, by Elliot Asarnow, November 1998 Robert Kennedy, Collette Fried, October 1998 Their $51 Billion World, An Interview with J.P. Mor- gan’s Blythe Masters, by Elliot Asarnow, September 1998 DEPOSIT ACCOUNT FINANCING Transitions: An Interview with Julie Williams, by Pam This American Pie: A Priority Battle, by Douglas H. Martin, February 1999 Frazer, February 1999 KNOW YOUR CUSTOMER EMERGING MARKETS Kvetch, Yap, Comply?, by Beverly Foster, March 1999 Impact of the Asia Crisis on Bank Performance, by F. A Software Response to Proposed Regulations, by John Mathis, October 1998 Glenn Gottfried, March 1999 Measuring Loss on Latin American Defaulted Bank When KYC Collides With Privacy, by Pamela Martin, Loans, by Lew Hurt and Akos Felsovalyi, October 1998 March 1999 FRAUD LENDING ISSUES Finding Fraud, by Beverly Foster, May 1999 A Lender’s Guide to Lending Excellence, by Paul M. On the Trail of Fraud: The Curious Bird Nabs the Dorfman, December 1998 Worms, by James Taylor, July/August 1999 Cycles and the Credit Culture, by P. Henry Mueller, What’s Wrong with This Contract? by Gary D. Zeune December 1998 and Mark Morze, June 1999 52 The Journal ofL ending © Credit Risk Management July/August 1999 September 1998—July/August 1999 Index Developing and Implementing Commercial Loan MERGERS & ACQUISITIONS Pricing Models, by Michael Fadil and Larry Hershoff, A Regulatory Perspective on Roll-Ups, by Michael Artz, June 1999 March 1999 Our Economy, Your Bank: In Sickness and in Health, True Impact Meets True Grit: Understanding and by Keith Lawder, December 1998 Thriving in Banking Combinations, by Karin P. Roland Perspectives on Lending and Credit Risk, by Mark and Peter M. Bergevin, March 1999 Howell, Michael Gillfillan, Scott Kisting, Chan Martin, December 1998 MORTGAGE LENDING Survey Finds Brighter Initial Outlook Tempered by Major Legislative Changes in Store for Residential Sobering Predictions, by Tal Briddell, June 1999 Mortgage Lenders? by Adam J. Bass, October 1998 Tax-Exempt Financing Opportunities for Banks, by Daniel E. Bitzer, April 1999 PAYMENTS Liability Limited for Late Payment Fees, by Harris LENDING TO ... Ominsky, January 1999 Analyzing Demolition Contractors, by Jennifer Lowe, Understanding and Managing ACH Credit Risk, by February 1999 Margaret Weber, May 1999 Give and Take: Reimbursement (and Other) Changes PORTFOLIO MANAGEMENT in the Healthcare Industry, by Theresa McCullough, March: 1999 Avoiding Concentrations of Credit Risk through Lending to Condominium Associations, by Alan D. Diversification, by Paul Bennett, July/August 1999 Seilhammer, March 1999 How to Identify and Evaluate Industry Risk in a Loan A Written Policy for Lending to Contractors, by Martin Portfolio: A Five-Step Approach, by Maura Hunter, J. “Dev” Strischek, June 1999 November 1998 Get in The Driver’s Seat of Lending to Automobile Issues to Consider in Comparing Credit Risk Dealerships, by Erik Day, November 1998 Management Models, by James V. Lentino and Hammad Lending to Automobile Dealerships: Credit Risk Pirzada, December 1998 Management Issues, by Erik Day, December 1998 Portfolio Theory and Bank Lending: Avoiding Lending to ESOPs: Of a Different Color, This Horse Still Concentrations of Credit Risk through Strategic Races, by Michael Golden and Matthew Wright, May 1999 Diversification, by Paul Bennett, July/August 1999 MANAGEMENT STRATEGIES PROBLEM LOANS Problem Loan Identification and Management, by The Last Word: .com, by Edward E. Furash, March 1999 Joseph May, March 1999 The Last Word: Common Strategies, Uncommon Execution, by Edward E. Furash, April 1999 QT The Last Word: Danger! Distribution Potholes Ahead, Calculating VAR with Monte Carlo Simulation, by by Edward E. Furash, October 1998 Evan Picoult, April 1999 The Last Word: Here We Go Again? by Edward E. Fluctuations and Events: Two More Twin Dilemmas, by Furash, December 1998 Francis M. Lacan, June 1999 The Last Word: Internet Mania, by Edward E. Furash, Interest Rate Swaps: An On-Balance Sheet Analog, by September 1999 David M. Rowe, July/August 1999 The Last Word: It’s All Showbiz, by Edward E. Furash, Market Risk and Credit Risk: The Twin Dilemmas of Cap- May 1999 ital Markets Activities, by David M. Rowe, January 1999 The Last Word: Legal Productivity, by Edward E. Value-at-Risk: The Correlated Aggregation Approach, Furash, November 1998 by David M. Rowe, May 1999 The Last Word: Seeding 2005, by Edward E. Furash, Value-at-Risk: Historical Simulation, by Victor June 1999 Makarov, March 1999 The Last Word: The Twain Must Meet, by Edward E. Value-at-Risk: An Overview, by David M. Rowe and Furash, January 1999 Arnold Miyamoto, Feburary 1999 The Last Word: What If. . . ???? by Edward E. Furash, February 1999 RAROC The Last Word: Leave Me Alone Redux, by Edward E. Capital Priorities: Practical Advice on Implementing Furash, July/August 1999 RAROC, by Eric Falkenstein, May 1999 53 September 1998—July/August 1999 Index Effective Risk-Adjusted Performance Measure for SPILLED MILK Greater Shareholder Value, by Sanjeev Punjabi and Fall at the House of Asher, by Dev Strischek, October 1998 Oliver Dunsche, October 1998 Loose Underwriting Sinks Ships, by Joseph W. May, Linking RAROC to Strategic Planning, by Michael J. September 1998 Haubenstock, October 1998 When the Chicken Doesn’t Deliver, by Gordon Yale, May 1999 REAL ESTATE LENDING SUCCESSION Avoiding Traps of Real Estate Development Lending, by Thomas Parzinger, January 1999 Dilemma or Opportunity? What Bankers Need to Construction Lending on Low Income Housing Tax Know about Business Owner Succession, by James R. Credit Multifamily Projects, by Francis W. Wankowicz, Devine, April 1999 January 1999 SURVEYS Get It Right: Use Monte Carlo Simulation When FCNB Annual Survey: Analysis of Finance Company Projecting Hotel Construction Loans, by Michael H. Ratios in 1997, by Brian J. Charles, September 1998 Palmer, January 1999 Survey Finds Brighter Initial Outlook Tempered by Have You Hugged Your REIT Today? by Michael Mitro, Predictions, by Tal Briddell, June 1999 January 1999 Survey Points to Declining Earnings and Increasing It’s Back to the Future for Real Estate Lending, by Loan Losses, by Tal Briddell, February 1999 James C. Ebert and David L. Packer, January 1999 The Best of Times, by Charles J. Brenner, April 1999 TECHNOLOGY Really. No Exit. by Kevin M. Brandt, January 1999 Aligned for Online: Community Banks Need Plans and Staying on Course if Real Estate Nosedives, by Policies, by Diane M. Casey, July/August 1999 Lawrence J. Diamond, July/August 1999 E-Mail Communication: Some Rules of the Road for the Information Superhighway, by Dev Strischek, RETAIL LENDING July/August 1999 Integrated Credit and Marketing for Profitable Fuzzy Systems and Neuro-Computing in Credit Customer Management in Retail Lending, by Jennifer Approval, by Rashmi Malhotra and D.K. Malhotra, Fagg, April 1999 July/August 1999 Harnessing the Internet for More Profitable Auto Risk MANAGEMENT Financing, by Michael Hucks, January 1999 The CUP Approach to Bank Loan Risk Grading, by Loan Document Imaging Saves Money...and May Save Richard E. Roetz, December 1998 the Bank!, by Chris Crawford, July/August 1999 “Credit Risk Rating at Large U.S. Banks” Revisited Maximizing The Microbusiness Opportunity, by with a Visit to the Authors, by Dev Strischek, Charles B. Wendel, February 1999 July/August 1999 Training: Decisions, Decisions! by Ken Shipley, Enterprise-Wide Risk Management: Staying Ahead of July/August 1999 the Convergence Curve, by James Lam, June 1999 Technology Investment in Business Banking, by Mark Hill, February 1999 SECURITIZATION 2001: A Bank Odyssey, by Robert W. Ellis, K. Michael CMBS Market Beckons Banks, by Molly McCabe, Casey, and Mike Watters, July/August 1999 September 1998 WORKOUTS SMALL BUSINESS LENDING The Ins and Outs of Chase’s Workout Process, by Assessing Small Business Risk: Additional Credit- Jeffrey A. Sell, March 1999 Scoring Factors, by Thomas Astebro, Steve Bennett, YEAR 2000 Fabian Rucker, July/August 1999 Benchmarking Small Business Credit-Scoring and Lender Responsibility for Y2K Compliance, by Brian Portfolio Management Practices, by John O’Connor and W. Smith and Joseph E. Yesutis, January 1999 Andrea Weinman, January 1999 Meeting the Y2K Challenge, (speech text) William Trukenbrod and Jay Eible, March 1999 A Peek at the Examiners’ Playbook: Phase III, by Paul A. Decker and Paul E. Kellogg, April 1999 54 The Journal of Lending @ Credit Risk Management July/August 1999 September 1998—July/August 1999 Index N97 Calomiris, Charles W., High Loan-to-Value Mortgages: 7& Problem or Cure? September 1998 Carty, Lea V., Bankrupt Bank Loan Recoveries, June AUTHORS’ INDEX 1999 Accetta, Gregory J., Things You Sorta Know About Casey, Diane M., Aligned for Online: Community Banks Appraisals (Part 1: The Cap Rate Quiz), June 1999 Need Plans and Policies, July/August 1999 Accetta, Gregory J., Things You Sorta Know About Casey, K. Michael, 2001: A Bank Odyssey, July/August Appraisals (Part 2: The DCF Quiz), July/August 1999 1999 Arsanow, Elliot, Diversification Counts in USA Loan Charles, Brian J., Analysis of Finance Company Ratios Portfolio Management at CIBC World Markets: An in 1997, September 1998 Interview with Loretta Hennessey and Michael Rulle, May Clark, Jeffrey A., Cost and Profit Efficiency: View from 1999 Beyond the Balance Sheet, May 1999 Artz, Michael, A Regulatory Perspective on Roll-Ups, Crawford, Chris, Loan Document Imaging Saves March 1999 Money...and May Save the Bank! July/August 1999 Astebro, Thomas, Assessing Small Business Risk: Crawford, Dean, Comprehensive Income: Gauging a Adopting Additional Credit-Scoring Factors Means Company’s Exposure to Risk, November 1998 Increased Profitability for Banks, July/August 1999 Day, Erick, Get in the Driver’s Seat of Lending to Automobile Dealerships, November 1998 Barrett, William R., Credit Risk Challenges in the Next Day, Erick, Lending to Automobile Dealerships: Credit 18 Months, March 1999 Risk Management Issues, December 1998 Bass, Adam J., Major Legislative Changes in Store for Decker, Paul A., A Peek at the Examiners’ Playbook: Residential Mortgage Lenders? October 1998 Phase III Beans, Kathleen M., Customers Like to Know Their de la Rosa, Denise, Comprehensive Income: Gauging a Banker, March 1999 Company’s Exposure to Risk, November 1998 Beans, Kathleen M., Internet Banking Is in the Future of Devine, James R., Dilemma or Opportunity? What Community Banks, July/August 1999 Bankers Need to Know about Business Owner Succession, Beasley, Ed, Webward, Ho!, July/August 1999 April 1999 Beckers, Lode, A Single European Market, April 1999 Diamond, Lawrence J., Staying on Course if Real Estate Bennett, Paul, Portfolio Theory and Bank Lending: Nosedives, July/August 1999 Avoiding Concentrations of Credit Risk through Strategic Dietrich, Mark O., Financing Physician Practice Purchases, October 1998 Diversification, July/August 1999 Bennett, Steve, Assessing Small Business Risk: Adopting Dorfman, Paul M., A Lender’s Guide to Lending Excellence, December 1998 Additional Credit-Scoring Factors Means Increased Profitability for Banks, July/August 1999 Drzik, John, Risk, Capital, and Value Measurement in Financial Institutions, Part 1: The Debtholder’s Bergevin, Peter M., True Impact Meets True Grit: Perspective, September 1998 Understanding and Thriving in Banking Combinations, Drzik, John, Risk, Capital, and Value Measurement in March 1999 Financial Institutions, Part 2: The Shareholder’s Bernstein, Jeff, Integrating Global Risk Objectives into Perspective, November 1998 Collections, October 1998 Dunsche, Oliver, Effective Risk-Adjusted Performance Blue, Janell, Prepare to Set Sail . . . Traveling Overseas Measurement for Greater Shareholder Value, October 1998 via Letters of Credit, April 1999 Bose, Gautam, Keeping the Ones with “The Right Stuff,” Ebert, James C., It’s Back to the Future for Real Estate April 1999 Lending, January 1999 Bove, Richard X., Mortgage Industry: Boom or Bust? Ellis, Robert W., 2001: A Bank Odyssey, July/August September 1998 1999 Brandt, Kevin M., Really. No Exit. January 1999 Fagg, Jennifer, Integrated Credit and Marketing for Brenner, Charles J., The Best of Times, April 1999 Profitable Customer Management in Retai! Lending, April Briddell, Tal, Survey Points to Declining Earnings and 1999 Increasing Loan Losses, February 1999 Briddell, Tal, Survey Finds Brighter Initial Outlook Falkenstein, Eric, Capital Priorities: Practical Advice on Implementing RAROC, May 1999 Tempered by Predictions, June 1999 55 September 1998—July/August 1999 Index Fansler, Loretta, Risk Management: How Regional and Haskell, Erick, Keeping the Ones with “The Right Stuff,” Community Banks Can Survive and Win in the Credit April 1999 Cycle Game, December 1998 Haubenstock, Michael J., Linking RAROC to Strategic Felsovalyi, Akos, Measuring Loss on Latin American Planning, October 1998 Defaulted Bank Loans, October 1998 Haubenstock, Michael J., Organizing a Financial Foster, Beverly, Kvetch, Yap, Comply? March 1999 Institution to Deliver Enterprise-Wide Risk Management, Foster, Beverly, Finding Fraud, May 1999 February 1999 Foster, Beverly, Customer Service Gets More than Lip Hayes, Nicholas L., BNP Keeps Vigil over Risk Service at Exchange Bank, June 1999 Management: An Interview with Edouard A. Sautter, April Franz, Diana R., Comprehensive Income: Gauging a 1999 Company’s Exposure to Risk, November 1998 Hill, Mark, Technology Investment in Business Banking, Frazer, Douglas H., This American Pie: A Priority Battle, February 1999 February 1999 Hucks, Michael, Harnessing the Internet for More Fried, Colette, Ten Steps to Better Credit Scoring, Profitable Auto Financing, January 1999 October 1998 Hunter, Maura, How to Identify and Evaluate Industry Risk Freeman, Neil M., Asset-Based and Mezzanine Lending In a Loan Portfolio: A Five-Step Approach, October 1998 to Healthcare Providers: Credit and Collateral Analysis, Hurt, Lew, Measuring Loss on Latin American Defaulted June 1999 Bank Loans, October 1998 Furash, Edward E., The Last Word: Management Strategies: Internet Mania, September 1998 Kellogg, Paul E., A Peek at the Examiners’ Playbook: Phase III, April 1999 Furash, Edward E., The Last Word: Management Strate- gies: Danger! Distribution Potholes Ahead, October 1998 Kennedy, Robert, Ten Steps to Better Credit Scoring, October 1998 Furash, Edward E., The Last Word: Management Strategies: Lender Productivity, November 1998 Lacan, Francis M., Fluctuations and Events: Two More Furash, Edward E., The Last Word: Management Twin Dilemmas, June 1999 Strategies: Here We Go Again?, December 1998 Lamm, James, Enterprise-Wide Risk Management: Furash, Edward E., The Last Word: Management Staying Ahead of the Convergence Curve, June 1999 Strategies: The Twain Must Meet, January 1999 Lawder, Keith E., Our Economy, Your Bank: In Sickness Furash, Edward E., The Last Word: Management and in Health, December 1998 Strategies: What If?, February 1999 Lentino, James V., Issues to Consider in Comparing Furash, Edward E., The Last Word: Management Credit Risk Management Models, December 1998 Strategies: .com, March 1999 Levitz, Bill, Abject over Assets? Consider Multilateral Furash, Edward E., The Last Word: Management Trading, February 1999 Strategies: Common Strategies, Uncommon Execution, Lowe, Jennifer, Analyzing Demolition Contractors, April 1999 February 1999 Furash, Edward E., The Last Word: Management Ludwig, Eugene A., The Changing Nature of Risks in the Strategies: It’s All Showbiz, May 1999 21st Century, March 1999 Furash, Edward E., The Last Word: Management Lustig, Carole, Mitigating Trade Finance Risk Through Strategies: Seeding 2005, June 1999 Forfaiting, April 1999 Furash, Edward E., The Last Word: Management Strategies: Leave Me Alone Redux, July/August 1999 Makarov, Victor, Value-At-Risk: Historical Simulation, March 1999 Golden, Michael, Lending to ESOPs: Of a Different Malhotra, D.K. and Rashmi, Fuzzy Systems and Neuro- Color, This Horse Still Races, May 1999 Computing in Credit Approval, July/August 1999 Goldstein, Jack, A Community Bank Perspective, Martin, Pamela, Capital Allocation Reform Critical to February 1999 Modernization, September 1998 Gottfried, Glenn, A Software Response to Proposed Martin, Pamela, When KYC Collides with Privacy, Regulations, March 1999 March 1999 Hamilton, David T., Bankrupt Bank Loan Recoveries, Mathis, F. John, Impact of the Asia Crisis on Bank Performance, October 1998 June 1999 Hamm, Richard A., How to Compute DSC? Let Us Matusevich, Anton I., Asset-Based and Mezzanine Count the Ways, May 1999 Lending to Healthcare Providers: Credit and Collateral Analysis, June 1999 56 The Journal of Lending © Credit Risk Management July/August 1999 September 1998—July/August 1999 Index May, Joseph W., Loose Underwriting Sinks Ships, Roland, Karin P., True Impact Meets True Grit: Unders- September 1998 tanding and Thriving in Banking Combinations, March 1999 May, Joseph W., Problem Loan Identification and Rowe, David M., Market Risk and Credit Risk: The Twin Management, March 1999 Dilemmas of Capital Markets Activities, January 1999 McCabe, Molly, CMBS Market Beckons Banks, Rowe, David M., Interest Rate Swaps: An On-Balance September 1998 Sheet Analog, July/August 1999 McCullough, Theresa M., Give and Take: Rowe, David M., VaR: An Overview, February 1999 Reimbursement (and Other) Changes in the Healthcare Rowe, David M., VaR: The Correlated Aggregation Industry, March 1999 Approach, May 1999 McKinley, John E., Risk Rating Revisited, November 1998 Rucker, Fabian, Assessing Small Business Risk: Mitro, Michael, Have You Hugged Your REIT Today? Adopting Additional Credit-Scoring Factors Means January 1999 Increased Profitability for Banks, July/August 1999 Miyamoto, Arnold, VaR: An Overview, February 1999 Morisano, Frank, Managing Capital Resources Effi- Schuermann, Til, Risk, Capital, and Value Measurement ciently to Optimize Shareholder Value, September 1998 in Financial Institutions, Part 1: The Debtholder’s Perspective, September 1998 Morze, Mark, What’s Wrong with This Contract, June 1999 Moss, Adam, Bankrupt Bank Loan Recoveries, June 1999 Schuermann, Til, Risk, Capital, and Value Measurement Mueller, P. Henry, Bank Liquidity, Short Memories & in Financial Institutions, Part 2: The Shareholder’s Inescapable Basics, September 1998 Perspective, November 1998 Mueller, P. Henry, Cycles & The Credit Culture, Seilhammer, Alan D., Lending to Condominium December 1998 Associations, March 1999 Munoz, Carlos, Risk Is More Than Credit, February 1999 Sell, Jeffrey A., The Ins and Outs of Chase’s Workout Process, March 1999 Nakada, Peter, Risk, Capital, and Value Measurement in Siems, Thomas F., Cost and Profit Efficiency: View from Financial Institutions, Part 1: The Debtholder’s Beyond the Balance Sheet, May 1999 Perspective, September 1998 Sorenson, Richard C., Appraisals: A Wink & A Nod, Nakada, Peter, Risk, Capital, and Value Measurement in February 1999 Financial Institutions, Part 2: The Shareholder’s Smith, Brian W., Lender Responsibility for Y2K Perspective, November 1998 Compliance, January 1999 Smith, G. Robert, New Accounting for Derivatives and O’Connor, John, Benchmarking Small Business Credit- Hedging Activities, March 1999 Scoring and Portfolio Management Practices, January Strischek, Dev, “Credit Risk Rating at Large Banks”: Re- 1999 visited through a Visit with the Authors, July/August 1999 Ominsky, Harris, Liability Limited for Late Payment Strischek, Dev, E-Mail Communication: Some Rules of the Fees, January 1999 Road for the Information Superhighway, July/August 1999 Strischek, Dev, Fall at the House of Asher, October 1998 Packer, David L., It’s Back to the Future for Real Estate Strischek, Dev, Risk Management: How Regional and Lending, January 1999 Community Banks Can Survive and Win in the Credit Palmer, Michael, Get It Right: Use Monte Carlo Cycle Game, December 1998 Simulation When Projecting Hotel Construction Loans, Strischek, Dev, A Written Policy for Lending to January 1999 Contractors, June 1999 Picoult, Evan, QT: Calculating VAR with Monte Carlo Swonk, Diane C., The Economy: It Ain’t Over ‘til It’s Simulation, April 1999 Over, September 1998 Pirzada, Hammad, Issues to Consider in Comparing Credit Risk Management Models, December 1998 Taylor, James, Finding Fraud: The Curious Bird Nabs the Punjabi, Sanjeev, Effective Risk-Adjusted Performance Worms, July/August 1999 Measurement for Greater Shareholder Value, October 1998 Todd, Michael, Ten Steps to Better Credit-Scoring, October 1998 Ray, Russ, Bankruptcy Futures: Hedging Against Credit Card Default, June 1999 Vangel, Donald T., A Question of Balance: Counterparty Robine, Ron, Relationship Information Belongs in Credit Risk Management, April 1999 Consumer Credit Decision-Making, December 1998 Roetz, Richard E., The CUP Approach to Bank Loan Wankowciz, Francis W., Construction Lending on Low In- Risk Grading, December 1998 come Housing Tax Credit Multifamily Projects, Janaury 1999 57 September 1998—July/August 1999 Index Watters, Mike, 2001: A Bank Odyssey, July/August 1999 Yale, Gordon, Spilled Milk: When the Chicken Doesn’t Weber, Margaret, Understanding and Managing ACH Deliver, May 1999 Credit Risk, May 1999 Yesutis, Joseph E., Lender Responsibility for Y2K Compliance, January 1999 Weinman, Andrea, Benchmarking Small Business Credit- Scoring and Portfolio Management Practices, January Zandi, Mark, The Economy, Looks Good, but Watch Out, 1999 September 1998 Weissman, Michael L., Tales of WHOA! A promise not Zeune, Gary D., Where Were the Auditors? May 1999 to exercise setoff rights creates a $1 million problem for Zeune, Gary D., What’s Wrong with This Contract? June the lender, June 1999 1999 Wendell, Charles B., Maximizing the Microbusiness Zmiewski, Mark, Moving Toward NAICS, June 1999 Opportunity, February 1999 White, Michelle J., What’s Wrong with U.S. Personal Bankruptcy Law and How to Reform It, November 1998 Wilson, Arlette C., New Accounting for Derivatives and Hedging Activities, March 1999 Wright, Matthew, Lending to ESOPs: Of a Different Color, This Horse Still Races, May 1999 RMA LAUNCHES NEW MONTHLY CAREER DEVELOPMENT CATALOG Benne early this sum- Your first catalog should mer, we are replacing reach you in July. Our goal single announcements for is to make access to RMA’s our attendance — events products and services as con- with one comprehensive venient as possible for you. brochure. Why? It’s easier We believe this is a quantum for you to use, provides leap forward. “one-stop shopping,” and Please let us know what you cuts down significantly on think about the change or if the number of pieces of mail you'd like a copy of the cat- we'll need to send you. alog. Call 800-677-7621, Think of it as a partnership fax 215-446-4100, or e-mail between improved customer [email protected]. service and environmentally friendly advertising! ——_ Ma THE assoctawtTiion of lending & credit risk professionals 58 Whe Journal of Lending © Credit Risk Management July/August 1999