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Using big data to move beyond FICO and LTV for loan analytics

first_img continue reading » 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The FICO score has a long and well-established history as a key metric in the determination of credit-worthiness. The FICO score has the power to influence whether a person can experience significant life events, like the purchase of their first car or home. Currently, it’s a major factor in credit union loan analytics.However, as we rapidly enter the age of Big Data and loan analytics, does the FICO score utilize enough information to make an accurate determination of a borrower’s ability to pay? The wealth of data available to credit unions should augment their loan analytics.A New Age of Loan AnalyticsAs I consider the future of credit unions, I believe the industry’s position on the significance of the FICO score in their underwriting process is an important issue. Is FICO a major determining factor, or is it merely one of many data points that can be used to predict probability of default for a given loan?last_img read more


Open applications for the UNESCO Network of Creative Cities

first_imgThe UNESCO Network of Creative Cities (UCCN) was established in 2004 and seeks to strengthen cooperation among cities that have recognized creativity as a strategic factor in sustainable development in terms of economic, social, cultural and environmental aspects. More information, as well as an application guide and application form, can be found HERE. All cities of UNESCO member states and associate members can apply. There is no limit to the number of residents in the city who apply for membership in the Network. To apply, you need to access the documents listed on the official website and find out what it takes to make the city a creative city of the UNESCO network. The network today numbers 180 cities from 72 countries from all parts of the world. By joining the Network, cities acknowledge their commitment to sharing best practices, developing partnerships that promote creativity and cultural industries, strengthening participation in cultural life, and urban development plans. The UNESCO network of creative cities covers seven creative areas: crafts and folk art, design, film, gastronomy, literature, media arts and music. Incomplete applications or those received after that date will not be evaluated. Applications must be submitted in English or French.center_img Source / photo: Ministry of Tourism; UNESCO The application deadline is June 30, 2019, by midnight, and the names of the new Creative Cities for 2019 will be announced by the end of the year. On the website Creative Tourism Network a competition has been announced to join the UNESCO network of creative cities, and they are ready to assist potential applicants in submitting applications.last_img read more


Nautical tourism requires urgent measures for the survival of the sector

first_imgThe association once again called for the marina business to be included in the tourism sector and to be equated with other related tourism activities by reducing VAT to 13 percent. Photo: Pixabay.com Marinas are under strong pressure from charter companies whose entire fleet is at a standstill and are therefore seeking help from marinas that are already facing liquidity problems. In addition, a reduction in VAT would bring new berths to marinas compared to competing countries due to lower berth prices, and charters would directly benefit from this in terms of lower berth costs. Croatia has one of the largest charter fleets in the world of 4.500 vessels and now is the time to become aware of the fact that these ships make up about 30 percent of the berth capacity, and are now at rest. “For this reason, charter companies justifiably cry out for help from their home marinas, which at the same time have costs equal to those before the crisis. Because of all this, we are already facing the problem of liquidity, which brings with it many other problems in business. “, points out Lisjak.  The Association of Marinas of the Croatian Chamber of Commerce calls for the adoption of measures necessary to save nautical tourism in Croatia.center_img “Following the example of other activities, we call on the Government to urgently adopt urgent measures to save nautical tourism at the next session, the most important of which are the realization of opportunities for support for workers and exemption of marinas from paying concession fee for maritime property for 2021. years. Namely, these measures already cover other activities and comparable concession fees for tourist land, but marinas cannot use them“, Appeals the president of the HGK Marina Association Sean Lisjak, where all marinas in Croatia are gathered, more than 70 of them. This difficult situation, which has resulted in the stagnation of the entire economy, needs to be exploited by looking a little further into the future as a country. “In doing so, I primarily mean the opportunity to now make key legal decisions and regulations that will better position our nautical sector in the post-COVID 19 era and thus improve the long-term competitiveness of Croatian nautical tourism. After such experiences that the whole world is facing, the imposition of increased caution in contacts and physical distancing, I am of the opinion that this caution will continue in the years to come. “, said Lisjak and added that the stay of small groups of mutually known people, our sailors on boats, where they can be with their family and isolation at sea, is a form of tourism that will significantly gain in importance. Photo: Pixabay.comlast_img read more


SOE Ministry demands assessment of halted high-speed railway project

first_img“We’re currently gathering information [regarding the project] in order to take further action,” he said.The Jakarta-Bandung High-Speed Railway project is one of the government’s national strategic projects (PSN) in the transportation sector and is expected to require a total investment of US$6.07 billion.The railway project will serve four main stations: Halim in Jakarta, Karawang in West Java and Walini and Tegaluar in Bandung regency. A total of 80 km of the railway will be elevated, while a further 16.9 km will be in tunnels.The trains will travel at 350 km per hour, cutting travel time between Jakarta and Bandung to 45 minutes, faster than the approximately three hours on the existing train. (mpr) The State-Owned Enterprises (SOEs) Ministry has demanded a full assessment of the Jakarta-Bandung high-speed railway project over environmental and human concerns.It also demanded consortium PT Kereta Cepat Indonesia China (KCIC), which is developing the railway, repair its drainage system. The system has been blamed for inundating the Jakarta-Cikampek toll road located near the project, causing traffic congestion in the area.“I’ve requested PT KCIC conduct a full evaluation regarding the weaknesses of project management that have caused environmental damage,” SOEs Minister Erick Thohir said in a press release on Monday. In a letter sent to PT KCIC on Feb. 27, the Public Works and Housing Ministry (PUPR) demanded the project be halted for two weeks starting from March 2, citing the project’s poor drainage system.Erick said the company must file a report in two weeks regarding its progress on drainage system repairs and environmental management.“We appreciate and fully support the PUPR Ministry’s action to halt the project for two weeks,” he said.Separately, the Transportation Ministry’s secretary-general Djoko Sasono said on Monday that the ministry would carry out an internal discussion regarding the issue before taking further steps.center_img Topics :last_img read more


Lending collector robbed

first_imgBACOLOD City – Cash amounting to P7,500and a motorcycle were stolen from a lending collector in Barangay Maricalum,Sipalay City, Negros Occidental. The 26-year-old Reynaldo Fabillar ofBarangay Culipapa, Hinoba-an, Negros Occidental complained of having beenrobbed, police said. At gunpoint, the armed man forced Fabillarto hand over his money around 3:30 p.m. on Feb. 13. The suspects also took Fabillar’smotorcycle and sped away after. Officers of the Siplay City conducted amanhunt operation against the suspects./PN Fabillar told the police he was juststanding along the road on Thursday when two armed men stopped next to him.last_img read more


2nd-half effort boosts Badgers to victory over Phoenix

first_imgJordan Taylor notched a double-double against Green Bay as Wisconsin got its first win in three games Wednesday night. Taylor leads the Badgers in points and assists.[/media-credit]After seeing its perfect start to the season muddied by two consecutive losses, the Wisconsin men’s basketball team got back on track Wednesday night.Despite another weak first-half showing, the Badgers (7-2) shot 57.7 percent from the floor in the second half of a 70-42 win over UW-Green Bay (4-5) at the Kohl Center. Point guard Jordan Taylor led all scorers with 15 points and added a career-high 10 assists, while forward Ryan Evans scored 14 points and forward/center Jared Berggren contributed 13.The victory comes four days after Wisconsin had its 23-game home win streak snapped by another in-state rival, the No. 16 Marquette Golden Eagles, in a 61-54 loss. Three days prior to that, the Badgers fell on the road to the then-No. 1 North Carolina Tar Heels 60-57. Both games, especially the UNC one, saw UW play inspired basketball at times, though the complete efforts ultimately were not enough to pull out wins.“You should be on a mission every night,” head coach Bo Ryan said. “I don’t try to get guys more revved up for one game than another. Bright young men figure out that every contest is pretty important, every possession is. There wasn’t anything different in what we were doing.”Initially, it appeared the Badgers would be in for another battle at home, as UW shot just 12-for-33 (36.4 percent) from the field in the first half. After a layup by guard/forward Rob Wilson (five points, two blocks) put Wisconsin ahead 8-2 at the 15:31 mark, the Badgers went scoreless for the next four minutes. When Green Bay guard Steve Baker drew a foul on a layup and converted the and-one attempt to bring the score to 12-11 with 10:20 left in the first half, the Phoenix came as close as they would all game. From that point until halftime, UW built a 21-10 run that had the Badgers leading 33-21 at the break.“We played a good team on a mission tonight,” UW-GB head coach Brian Wardle said. “We knew right off the bat that Wisconsin was coming out.”The first half was especially successful for Wisconsin’s bench, which scored 14 points to Green Bay’s seven. For the game, UW’s bench players outscored UW-GB’s 21-16, led by guard Ben Brust’s six points. Freshman guard Traevon Jackson and freshman forward Frank Kaminsky each scored four points in 11 and 14 minutes of playing time, respectively.The second half unfolded much more smoothly for the Badgers, who outscored the Phoenix 19-8 in the first 10 minutes out of halftime. Taylor led a UW offense that seemed to get to the basket more than did in the first half – and overall, more than it had in the past two games. The senior point guard converted four of his six free throw attempts, but Wisconsin still struggled as a team to make its free throws – a still-troubling sign for a team that made 81.8 percent of its tries last season and nearly broke the NCAA record of 82.2 percent. The Badgers finished the game 13-for-19 from the charity stripe, just 68.4 percent.Nevertheless, Taylor and the Badgers took solace in the fact they recorded 16 assists to just six turnovers – a solid 2.66 assist-to-turnover ratio – and forced the Phoenix into 16 turnovers.“I don’t think I would say [we’re] settling, but just trying to make good decisions every time down the court and get the best shot,” Taylor said. “Shots aren’t falling for some guys right now, but we’ll keep working, keep getting better every day and that’ll come.”With the game clearly in hand, Wisconsin’s lead blossomed to its largest at 28 points, 68-40, with 2:14 remaining in the game.Green Bay was led by 7-foot-1, 215-pound center Alec Brown with 10 points. Brown pulled down just four rebounds, well short of his 7.5 per game average. Forwards Brennan Cougill and Daniel Turner each scored six points, while Cougill led the Phoenix with eight rebounds (five offensive).“That was definitely an emphasis of ours in practice the last few days,” Berggren said of limiting Brown. “We knew he’s a good player; if he catches it inside, it’s not good for us. So we just tried to focus on keeping the ball out of his hands, working to front him, force them to throw some lobs over the top and have some backside help.”last_img read more


High school student arrested after planning to stab classmate

first_imgPolice in Port St. Lucie have arrested a 15-year-old high school student after he reportedly brought several knives to school with the intention of stabbing a classmate.The student was arrested at Port St. Lucie High School on Thursday.According to the report, a witness told a school resource officer that the teen was armed and planned to harm someone. When the resource officer confronted the teen, the teen admitted that he a knife in his pocket and two in his backpack. He then confessed that he planned to stab another student in the neck because the student had been bullying him in school and online for months.The student has since been charged with aggravated assault with a deadly weapon, possession of a weapon on school property, and intimidation to threaten, kill or injure.Authorities are also investigating the student’s allegations that he was bullied.last_img read more


Former Broward Sheriff Scott Israel Calls His Removal a “Political Sham”

first_imgIsrael was referring to last week’s 25-15 vote in Tallahassee, in which the State Senate voted to uphold Governor Ron DeSantis’ decision to remove Israel from office. DeSantis suspended Israel last January, claiming that Israel’s incompetence resulted in his deputies’ poor performance in responding to last year’s shooting at Marjory Stoneman Douglas High School in Parkland.Israel maintains that he was removed only because DeSantis is a Republican and Israel is a Democrat.He provided examples of other mass shootings around the country as proof of his explanation. He says, “No sheriff, no elected official, no police chief has been suspended. Just me.”Israel also referred to many of his deputies as “brave” and “heroes” in their response to the shooting. He adds, “We had one deputy that didn’t go in, referring to Deputy Scot Peterson. “It wasn’t a training issue. It wasn’t a policy issue. It was a fear issue.”The former sheriff says he will run again for that position in 2020, and that he believes the voters still want him as their sheriff.“They understand this election was stolen from them, that the 2016 election for sheriff was wiped out,” Israel says of voters. “The sheriff of any county in America is not the sheriff of one group of people or one city or one town or one area. You’re the sheriff of everyone in the county. As I’ve said all along, the only one responsible for taking lives that day was the evil killer,” referring to accused shooter Nikolas Cruz.850 WFTL’s Karen Curtis will soon interview Scott Israel, as well as his replacement and campaign rival, Gregory Tony. Former Broward County Sheriff Scott Israel says his removal from office was purely political.He tells a local reporter, “It was a political sham. They dealt from the bottom of the deck. We had no chance of ever prevailing.”last_img read more


PBC School District Votes to Fire Principal, Sues E-Cig Maker Juul

first_imgThe Palm Beach County School District voted Wednesday afternoon to fire former Spanish River Community High School Principal William Latson.Board members voted 5-2 to terminate Latson’s contract over comments he made to a parent in an email last July about the Holocaust.In the message, the former administrator wrote, “I can’t say the holocaust is a factual, historical event because I am not in a position to do so as a school district employee.”He had been reassigned to the district office during the investigation.The investigative report stated the district had “just cause” to fire Latson since he violated several district policies.Latson’s termination will take effect on November 21. He has until that date to file an appeal.The School Board also decided at its Wednesday meeting to sue e-cigarette maker Juul, in an effort to combat the youth vaping epidemic.According to officials with the District, schools are struggling to address the issue, and “have been forced to divert resources to monitoring and disciplining the rapidly growing number of students using vaping products on school grounds.”If a settlement is reached, 75 percent of the money would go to the District, while the other 25 percent would go to the law firms who are representing the District.The statement from the District adds, “The top priority of the School District of Palm Beach County is the safety and well-being of our students and staff. Palm Beach County does not intend to stand by and allow this crisis to escalate further.”last_img read more


Viral video shows woman chugging coffee during impeachment hearing

first_imgA woman who dramatically chugged her coffee during Tuesday’s impeachment hearing is now the latest internet sensation.Lt. Col. Alexander Vindman was testifying before Congress, but all eyes were on Emma Dumain, who was sitting behind him.Dumain tilted her head back to take a big gulp of her beverage before seeming to remember she was on camera.She says she grabbed oatmeal and large coffee on her way to the hearing, where the world saw her chug every last drop.Dumain works as a congressional reporter for the news agency McClatchy.last_img read more