S6 E4: The Nuances in Credit Underwriting that Most Peopl...

What this episode covers

Frank Rotman, Chief Investment Officer at QED Investors, makes his triumphant return to the podcast to share his wisdom on all things lending. As the first Chief Credit Officer at Capital One (before this role officially existed), Frank has an incredibly rich and nuanced perspective on topics like cashflow underwriting, the value of traditional credit data vs alternative data, and payment protection insurance. In this conversation, Frank and Alex break down the importance of distinguishing willingness to pay for a loan from the ability to pay for a loan when assessing creditworthiness and wax poetic about what possibilities fintech might be missing out on when it simplifies the credit building down to these two characteristics. And stay tuned because later, Alex asks Frank for his predictions for the future of fintech and financial services and Frank’s answers are unlike any other predictions you’ve heard! 00:00:53 - From Lending to Writing: Frank's Journey 00:03:05 - The Nuance of Credit Underwriting 00:09:21 - Building Sophisticated Underwriting Models with Capital One 00:18:12 - Understanding Reg B: Equal Credit Opportunity Act Implementation 00:26:10 - Maximizing Accurate Pricing of Risk 00:29:49 - Why Companies Must Explain Declines 00:36:38 - The Unique Marvel of American Mortgages 00:49:10 - The Truth About Predatory Lending 00:55:18 - Innovating Credit and Insurance Delivery Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. Follow Frank: LinkedIn: https://www.linkedin.com/in/frank-rotman/ Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

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How long is this episode of Fintech Takes?

This episode is 1 hour and 31 minutes long.

When was this Fintech Takes episode published?

This episode was published on January 31, 2024.

What is this episode about?

Frank Rotman, Chief Investment Officer at QED Investors, makes his triumphant return to the podcast to share his wisdom on all things lending. As the first Chief Credit Officer at Capital One (before this role officially existed), Frank has an...

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