The use of analytical models and optimization will make loan origination decisions more profitable Expectations are changing about what loan origination decisions can and should achieve. In retail lending markets emerging from the credit crisis, it has become absolutely critical to make accurate, analytics-driven decisions to ensure client profitability from the outset, as well as in ever-changing conditions. Even in markets that have not been affected, and in those that are growing, smart lenders that make increasingly intensive use of analytical models can increase their margins.
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