loan portfolio
Lender's asset mix
A loan portfolio is the collection of loans held by a bank, credit union, or other lending institution.
The term treats loans as assets to be managed collectively rather than individually, emphasizing their aggregate risk and return: The bank's loan portfolio is heavily weighted toward commercial real estate.
Portfolio quality depends on factors like diversification, default rates, and economic conditions.
- borrowerOne who takes temporarily
- lenderOne who loans money
- mortgageSecured home loan
- credit riskPotential for borrower nonpayment
- recovery ratesShare who heal
stress testing · underwriter · risk appetite · investor · interest rate risk · guarantor · servicer · regulator · diversification · balance sheet · credit card debt · trustee · data privacy laws · securitization · default · delinquency · consumer protection laws · credit scoring
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