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2:30 - 3:15 Phil HainsGavin Harding


Practical Applications of Scoring in Small Business Origination and Portfolio Management


Phil Hains
Business Underwriting Manager, First Citizens Bank

Gavin Harding
Senior Business Consultant, Experian


Session Description

This session will explore how to apply scoring methods in the underwriting process leading to increased auto-decisioning and cross-sell, more precise credit limits and improved decision-making.  The audience will also again an understanding of option to enhancing ongoing portfolio management and servicing through scoring; setting trigger reviews, reducing manual intervention, grade assessment, assignment and migrations.


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