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This is the second edition of Credit Scoring For Risk Managers: The Handbook for Lenders. Like the first edition, it was written for bankers and other consumer lenders who need a clear understanding of how to use credit scoring effectively throughout the loan life cycle. In today's financial system, scoring is used by virtually all lenders for all types of consumer lending assets, making it vitally important that risk managers understand how to manage and monitor scores and how to set policies for their use. This edition is substantially different from the first edition published in 2004. The world's economies have been through a major financial crisis and severe recession and some have questioned the role and value of models and scores used by lenders in the years leading up to the U.S. housing collapse and economic downturn. We have devoted a significant portion of the book to topics relevant to ensuring scorecards are properly managed through volatile environments and controlling the risk of using credit scores for decision-making. Ten of the book’s sixteen chapters are new. Many focus on scorecard management practices and on controlling model risk. Score management refers to all the activities model managers and users engage in after the scorecard is developed. These include setting proper lending policies to use in conjunction with the score, periodic back-testing and validation, and remediation of any issues that may arise related to scorecard performance. Chapter 4 takes the reader step by step through a scorecard development project and discusses best practices for managing and documenting scorecard projects to increase the transparency of the performance, assumptions and limitations of scoring models. The last three chapters are devoted to the important topic of score model governance. Chapter 14 describes how to design a model governance framework to ensure credit scoring models are properly developed, used and validated on an on-going basis. Chapter 15 is focused on model monitoring and back-testing and describes a set of reports lenders should create and review to ensure their scorecards are performing well. Independent review of risk models by a third-party model expert is an important part of sound model governance. In Chapter 16 we describe how to carry out a thorough independent model review. Other chapters focus on new material not covered in the previous edition including types of data that are used as predictive information in scores (Chapter 3), fair lending analysis of scorecards and the creation of adverse action reasons (Chapter 11), the use of scores as components of other models (Chapter 10), common scoring mistakes to avoid (Chapter 12) and the important topic of reject inference (Chapter 9).
- Sales Rank: #163434 in Books
- Published on: 2011-02-03
- Original language: English
- Number of items: 1
- Dimensions: 9.25" h x .60" w x 7.50" l, 1.02 pounds
- Binding: Paperback
- 264 pages
About the Author
Mays and Lynas are credit scoring experts with a combined 35 years of experience building, validating, and performing independent review on credit scoring models.
Most helpful customer reviews
3 of 4 people found the following review helpful.
Perfect Oversight Tool for Credit Scoring
By snowmist
WOW, what a great book. It is `spot on' for so many credit scoring topics. It is well written and an absolute delight to read, excellent examples of charts/diagrams/reports with great explanations. I especially liked the commentary on lessons from a financial crisis and observations about how it occurred and action steps that could be taken to avoid it in the future. Good discussions regarding Effective Risk Model Governance Programs.
0 of 0 people found the following review helpful.
Best overview of credit scoring I've seen
By zoncombs
This is our textbook for all new hires. Best overview of credit scoring I've seen. Doesn't go into the technical details of building a card, but spends plenty of time going through the process which is perfect for newcomers.
0 of 0 people found the following review helpful.
Four Stars
By Mac Timred
Excellent overview of the credit scoring/ credit score modeling and the credit scoring model management process.
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