Blog Archives

2006 Bernanke: Housing market is headed for a soft landing

There’s a lot of talk about Federal Reserve Chairman Ben Bernanke managing a “soft landing” of ending stimulus and quantitative easing. Time will be the judge. It’s interesting to compare this “soft landing” to the last one -where instead of

Posted in The Fed

Invest in Lending Club

Looking to Invest in Lending Club or Prosper and want expert help and advice? Peer Lending Advisors is a full service investment advisory firm and can help you get started investing in Peer-to-Peer Loans and manage your portfolio. Peer Lending Advisors has

Posted in Peer Lending

Is your portfolio recession-proof?

Chasing high returns (that come with high risk) is a common mistake that investors make when interest rates are artificially low. This was observed during the housing bubble, when many investors were steered to mortgage-backed securities and subprime credit products,

Posted in Peer Lending

A lesson I learned while working in the Credit Card Industry

Back when I worked for Capital One, I was given a short term assignment to join a team of fellow business analysts and statisticians to rebuild one of our Subprime credit models. We used tools like SQL, SAS, and CART

Posted in Banking, Computer Algorithm

What Community Banks signing on with Lending Club means the future of P2P lending and banking in general

On Thursday, Lending Club announced that two community banks, Titan Bank and Congressional Bank, had signed on with Lending Club for two types of transactions: The banks will buy loans through Lending Club The banks will offer personal loans to

Posted in Banking, Peer Lending

Peer-to-Peer Lending Advantage: Geographical Targeting (or avoidance)

Back when I worked for a large bank, I was part of a project to re-create our credit models to remove one variable that was deemed too risky to use anymore. In other words, I was making a new investing algorithm to

Posted in Computer Algorithm

5 takeaways from Google’s $125M investment in Lending Club

Google made waves today when they announced a $125 M investment round in Lending Club, valuing the company at $1.5 B. What does this mean for Peer-to-Peer Lending? 1. Peer-to-Peer Lending has tremendous potential Less than a year ago Lending

Posted in Peer Lending

Misspellings in loan descriptions: Would you invest in these people?

Other providers that offer managed investing in Peer-to-Peer Lending talk about their statistical models, but gloss over an advantage of Peer-to-Peer Lending that they’re not taking advantage of: rich, written descriptions of how the borrower will use the money. If

Posted in Human Underwriting

Why Peer Lending?

Peer-to-Peer Lending is an exciting consumer lending opportunity. While the credit card democratized credit for the masses, Peer-to-Peer Lending has broken down the banker’s door. For consumers, it has cut out the middle-man, lowering interest rates and increasing access to

Posted in Peer Lending
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