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Auto Finance Risk Manage…

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Chas Roscow commented on Mike Gibb's blog post 'Assessing the Industry's Growth Spurt'

Hi Mike; this sailor has observed for 29 years the auto finance industry and I can confidently proclaim: This is precisely when the next book of bad loans goes on the books. This is a "mathematical certainty". "When…

yesterday

Chas Roscow commented on Marcie Belles's blog post 'Standing Firm'

Valley National is facing the same challenge that has existed ever since GMAC was formed to help sell GM vehicles on time sales. They should be admired for avoiding the lazy lender's strategy of lowering the rate and buying deeper - the…

Jan 30

Chas Roscow commented on Mike Gibb's blog post 'Banking on Higher Credit Scores'

Frank makes a good point. During my days at Huntington Banks, I recall watching a presentation from Ann Tonks from SeaFirst in the early 90's - one of the first banks to rollout "Tier Pricing". The first thought that went…

Jan 30

Chas Roscow commented on JJ Hornblass's group 'Auto Finance Risk Management'

Thanks JJ. Interesting.

Jan 27

Chas Roscow commented on Mike Gibb's blog post 'Moving Cars at Christmas'

I should mention too that December is a traditional high sales month - and the ads are indeed also targeted to those who may purchase in December...not just brand recognition.

Dec 21, 2011

Chas Roscow commented on Marcie Belles's blog post 'Eye on the Competition'

Based on the cycles witnessed in the past 28 years I've worked in auto lending - this is precisely when the next book of bad loans goes on lender's books.

Dec 16, 2011

Chas Roscow commented on Mike Gibb's blog post 'Moving Cars at Christmas'

You will love the story about Scope VS Listerine.

Dec 16, 2011

Chas Roscow commented on Mike Gibb's blog post 'Moving Cars at Christmas'

It seems odd that any firm would spend expensive ad dollars for an ad that applied to less than one-tenth of one percent of the population. But the objective of the ad is not to increase the number of people writing to Santa in December.…

Dec 16, 2011

Chas Roscow commented on Marcie Belles's blog post 'S&P Downgrades 37 Financial Firms'

It may reflect a reassessement of the overall highly leveraged enterprise banking is. Capital requirements are relatively thin compared to other industries leaving little capital cushion for unexpected losses. Maybe S&P is…

Dec 5, 2011

Chas Roscow and Chuck Smith are now friends Dec 2, 2011

Chas Roscow commented on Marcie Belles's blog post 'N.Y. Auto Fraud Rings Scam 18 Lenders'

You can reduce or eliminate losses of this kind with a simple tweak to your underwriting policy. Collateral can be classified into two categories: vehicles purchased for transportation or for fun or luxury (think Buick Lacrosse vs. a Porsche Boxster…

Dec 1, 2011

Auto Finance Risk Management

This group is dedicated to exploring new developments and sharing ideas in risk management.

Chas Roscow joined JJ Hornblass's group Nov 2, 2011

12 Comments 1 Like

Chas Roscow is now friends with Michelle Patton, Ray Taylor, Kelly Barbour and 2 more Nov 2, 2011

Chas Roscow left a comment for Monica Miller

Monica, I just signed into my old account here and saw your request from April. I own www.tacticalautotraining.com - an auto lending risk management company. Chas Roscow

Nov 2, 2011

Chas Roscow left a comment for nathan benson

Nathan, I hope all is well. I just signed into my old chevy chase bank account and saw your invitation. Since leaving, I started www.tacticalautotraining.com. Hope all is well. Chas Roscow

Nov 2, 2011

Chas Roscow updated their profile Jun 1, 2011