tag:blogger.com,1999:blog-880904181100288677Sat, 14 Feb 2026 08:52:59 +0000SMErisk managementcredit riskIRSbankingmacroeconomic riskSum2hedge fundsregulatorymanufacturingtax liabilityCPAprivate equityreputationCredit Redicommercial lendingsustainabilityunemploymentEUIARPaudit riskcreditrecessionrisk; smesme lendingsupply chain#metasmeADPbankruptceyeconomyoffshore#smeiotOECDcredit crisisfinancial healthlaborproduct liabilityrisk assessmenttax audit risk#sme#sum2llcAHCAAMLBasel IIIBlack SwansCreditAidesFederal ReserveGRCGreat RecessionIrish IndependentJob CreationNFIBProfit|OptimizerQEQuantitative EasingRiskS3Z Scorealternative credit channelsbusiness planning and analysiscost of capitalcredit ratingcredit repairdisaster planningfrackinglegalmarket dynamicsmicro lendingmoney launderingpolitical stabilityrisk: #smesmall businesstax"PIGS"#Bitcoin#IoT#OECD#TARP#TBTF#WIN#bigdata#capitalallocation#capitalformation#creditrisk#creditscoring#inflation#informedconsent#internetofthings#liquidity#macroeconomic#marketrisk#micro-finance#mobileoffice#office365#optimization#psychographics#riskassessment #profitoptimizer#sme-smi#smeiot #eventrisk#smeportals#smerisk#supplychain #office365AIBAML BSA ReportingAccionAccounting TodayAppleArthur AndersenBRICSBSA ReportingBen BernankeBillFloatBitcoinCard CheckCausal CapitalCentral African RepublicChinaCitibankConflict MineralsCredit Review OfficeCredit UnionsCredit|RediD&BDBS BankDOJDefence of Marriage ActDodd-FrankECBERMEmployment ReportExperianExperian Moody's Analytics Small Business Credit IndexFATFFBARFOMCFedForbesGolden PacificGreeceITImmigration and E-VerifyIrelandJanet YellenLEED compliantLiverpool International Festival for BusinessLloyds BankMSBMark ZandiMartin DaviesMinimum WageMoney to Main StreetMoodysNixon PeabodyOCBCOFACObamacarePatriot ActPaychexPhoenix AZPortugalPwC Risk in ReviewReport on Global Climate ChangeRisk: AMLRisk: GRCRisk: SMERisk: creditRisk: credit riskRisk: reputationRisk: unemploymentRussian FederationSAR filingSBASBA loanSDNSECSIFISME World 2014 DubaiSPOTSTEEPLESchulte Roth ZabelSingaporeSingapore Business TimesSmartBizSpainStandard & Poor'sStrait TimesTax ManThe Hamilton PlanUBSUOBUSAUkraineVikas Thapar CEO SME Business Emirates NBDZ-Scoreaccountingagricultureairair pollutionalternative financingaquacultureassociationsbusiness continuitybusiness failurebusiness interruptionbusiness plancapability gapcapital formationcapital raisecatastrophicchange managementclimate changecommercial loancommoditiescommunity bankingcompliancecontagion riskcorporate governancecredit unioncriminal prosecutioncrowd fundingculturecustomer riskdeforestationdigital assetse-commerceecologicaleconomic growthemerging riskfacilitiesglobal bankingglobal economygovernment spendinggreenhouse gasesincome repatriationinflationinfrastructure riskinterest ratejob growthlendingloansmacromarketmega stormsmobileofficemultinationaloff-shoringoiloperational riskoperationsopportunity costoutsourcingpoempoliticalprivate bankingproductrandom eventreal estateregulatory complianceregulatory riskrenewal clean energyrevenue recognitionrisk appetiterisk culturerisk: IPCCrisk: Moody’srisk: sme lendingrisk: taxrisk: tax codeservice sectorsmall business credit risksmall business lendingsmogsovereign debtstakeholder communicationstress testingtax audittransportationwarwaterwater rightswildfiresRebuilding Trust with Sound Business Practiceshttp://creditredi.blogspot.com/noreply@blogger.com (riskrapper)Blogger82125tag:blogger.com,1999:blog-880904181100288677.post-7839375395814582501Mon, 21 Jul 2014 20:53:00 +00002014-07-21T13:53:34.655-07:00#capitalallocation#liquidity#metasme#optimization#riskassessment #profitoptimizer#smeiotrisk: #sme The crisis in the credit markets created some new American superheroes. Former Fed Chairman Ben Bernanke and Treasury Secretary Timothy Geithner are fondly recalled as a dynamic duo who engaged the titanic struggle with the evil forces of inflation, stagflation, a weak dollar and dysfunctional credit markets. Their mission was is to keep the specter of a depression at bay. By all accountshttp://creditredi.blogspot.com/2014/07/how-deep-is-ocean-sme-liquidity.htmlnoreply@blogger.com (riskrapper)1tag:blogger.com,1999:blog-880904181100288677.post-6804580392336343486Mon, 21 Jul 2014 18:01:00 +00002014-07-21T11:01:08.841-07:00#inflation#macroeconomic#marketrisk#metasme#smeiot #eventrisk#sum2llc#supplychain #office365#WINmobileofficerisk: #sme Inflation like all risk is a double edge sword. Its negative nature will upset the apple cart and pose uncomfortable challenges for SME managers that have grown accustomed to the status quo.  It will force managers to reconsider their well conceived business plans and perhaps more closely scrutinize this quarters P&L or the company balance sheet. It will present serious http://creditredi.blogspot.com/2014/07/the-yin-and-yang-of-inflation.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-5206401898849108218Wed, 09 Jul 2014 16:28:00 +00002014-07-09T09:28:56.742-07:00#bigdata#Bitcoin#capitalformation#informedconsent#internetofthings#IoT#metasme#mobileoffice#OECD#office365#psychographics#sme#smeiot#smeportals#sum2llc#TARP#TBTF IoT The world is a great big database and algorithmic wizards and mad data scientists are burning the midnight oil to mine the perplexing infinities of ubiquitous data points. Their goal is to put data to use to facilitate better governance, initiate pinpoint marketing campaigns, pursue revelatory academic research and improve the quality of service public agencies deliver to protect and http://creditredi.blogspot.com/2014/07/big-data-for-small-world-smeiot.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-4867125742841575929Thu, 12 Jun 2014 22:37:00 +00002014-06-13T11:38:49.980-07:00#creditrisk#creditscoring#metasme#micro-finance#sme#sme-smi#smeiot#smerisk Many lenders base their small and mid-size enterprise (SME) lending decisions on quantitative credit scoring methods and models. Quantitative credit scoring is an efficient means to evaluate borrower’s creditworthiness and to effectively price credit products. It provides accurate predictive metrics of a borrower’s future ability to meet debt obligations based on past experience.  Inhttp://creditredi.blogspot.com/2014/06/enhanced-qualitative-risk-assessment.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-7846229387407282734Tue, 27 May 2014 17:01:00 +00002014-05-27T10:01:29.919-07:00Accounting TodayAHCACard CheckDefence of Marriage Actemerging riskGRCImmigration and E-VerifyIRSMinimum WagePaychexregulatoryS3STEEPLEtax Accounting Today lists nine key regulatory changes identified by Paychex that could have a significant impact on Small Mid-Sized Enterprises (SME).   Many SME’s hope to fly under the radar when it comes to regulatory compliance issues. With the drive toward greater transparency and governance practices required by regulators and corporate stakeholders, SMEs must adopt better http://creditredi.blogspot.com/2014/05/2014-regulatory-changes-impact-smes.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-786376962937244119Fri, 25 Apr 2014 17:30:00 +00002014-04-25T10:52:11.280-07:00commoditiescredit riskEUmacroeconomic riskmarket dynamicsoilRussian Federationsme lendingsovereign debtStandard & Poor'sUkraine Standard & Poor’s cut the Russian Federation sovereign debt credit rating citing the capital flight and risk to investment in the wake of the Ukraine crisis. S&P lowered Russia’s sovereign debt rating from BBB to BBB- placing it one notch above junk status. Russia’s economy has slowed in step with the rest of the BRICs (Brazil, Russia, India, China). As the global economy entered http://creditredi.blogspot.com/2014/04/s-downgrades-russian-sovereigns.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-3260327782683225085Thu, 24 Apr 2014 02:56:00 +00002014-04-23T19:57:04.615-07:00airclimate changefrackingopportunity costpoliticalrenewal clean energywarwater We have put our good mother through a lot over the past few million years. Ever since we walked out of the great rift the biospheres dominant species has really left a mark. I know that mark is but a tiny spec on the archaeological record of the earth which spans a few billion years but our impact is unmistakable. I guess it started with the invention of hand tools, fire, wheels, shelterhttp://creditredi.blogspot.com/2014/04/sustainable-economics.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-8562545454829826958Tue, 22 Apr 2014 17:50:00 +00002014-04-22T11:30:34.840-07:00AMLAML BSA ReportingCentral African RepublicConflict MineralsCredit|RediDodd-FrankFATFmoney launderingNixon PeabodyOFACRiskSDNsupply chain   Conflict Minerals Reporting Requirement Struck Down Received a timely Good Friday Alert from Nixon Peabody about a recent district court ruling on regulations concerning Conflict Minerals. Conflict minerals are mined in areas where conditions of armed conflict exist. The minerals, extracted with forced labor under conditions employing human rights abuse, is common in the Democratichttp://creditredi.blogspot.com/2014/04/conflict-minerals-aml-and-supply-chain.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-7887803347170692457Fri, 18 Apr 2014 19:44:00 +00002014-04-18T12:44:24.864-07:00alternative credit channelsbusiness plancapital raisecommercial lendingcommunity bankingcredit riskRiskrisk assessmentsmall business lendingSME The tough conditions in the credit markets require small businesses to communicate and demonstrate their credit worthiness to satisfy exacting credit risk standards of lenders. Credit channels are open and loans are being made but strict federal regulations and heightened risk aversion by lenders places additional burdens on borrowers to demonstrate they are a good credit risk. “You havehttp://creditredi.blogspot.com/2014/04/sme-lending-get-redi-to-get-funded.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-1934477817561483519Mon, 14 Apr 2014 12:08:00 +00002014-05-22T13:34:57.130-07:00alternative credit channelsBasel IIIbusiness failurecommercial lendingcredit riskeconomic growthEUglobal bankingOECDpolitical stabilityRisk: SMESIFIUSA I often wonder, what if Basel II capital accords had been in place prior to the Great Recession?  Could the devastating crisis fueled by the serial pops of credit bubbles rumbling through the dismal landscape of G20 principalities been avoided with better capital adequacy safeguards?  Could the precious Post Cold War peace dividend been preserved; had the fiduciaries of global http://creditredi.blogspot.com/2014/04/smes-dance-to-basel-iii-shuffle.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-9192547915378939049Sun, 13 Apr 2014 05:39:00 +00002014-04-13T05:54:51.643-07:00credit riskJob CreationLEED compliantmacroeconomic riskMark Zandimarket dynamicsreal estaterisk: Moody’ssme lendingunemployment It was a hard winter in the US. For weeks on end massive weather fronts would creep across the continent spreading ice storms, howling blizzards and a polar vortex that brought frigid misery to large swaths of the Mid Atlantic States. It seemed winters assault would never end but seasons do change and as today's temperature nears 70 spring has arrived after all.  Mark Zandie, Chief http://creditredi.blogspot.com/2014/04/spring-thaw-to-grow-us-jobs.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-2893155604755914151Thu, 10 Apr 2014 15:31:00 +00002014-04-10T09:17:54.872-07:00Arthur AndersenBlack Swansbusiness interruptioncatastrophicCausal Capitalcontagion riskfacilitiesGRCinfrastructure riskmacroMartin DaviesRisk: reputationS3SMEtransportation I came across a great presentation on Reputation Risk from Martin Davies of Causal Capital. It outlined the many dimensions of this onerous corporate threat. It offered a definition, a list of risk factors, its impact on a company’s financial condition and proposed frameworks to mitigate its effects. In the pantheon of risk factors, reputational risk is the classic riddle wrapped in a http://creditredi.blogspot.com/2014/04/the-cost-of-reputation-risk.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-5838634945466780812Thu, 03 Apr 2014 18:04:00 +00002014-04-03T12:39:15.818-07:00AHCABRICSChinaCitibankEUFederal Reservefrackinginflationmanufacturingmicro lendingObamacareQERisk: unemploymentservice sectorsmall businessSMEstress testing Private-sector employment increased by 191,000 during the month of March, according to the latest ADP National Employment Report (NER) released yesterday. The NER suggests a steady, albeit uneven growth of nonfarm private employment since net job creation first turned positive during the first quarter of 2010. The pattern of rising employment gains, confirms signs of an accelerated economic http://creditredi.blogspot.com/2014/04/adp-employment-report-job-creation.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-3671693693964073821Tue, 01 Apr 2014 03:03:00 +00002014-04-02T07:02:15.209-07:00agricultureair pollutionaquaculturedeforestationgreenhouse gasesmega stormspolitical stabilityregulatoryReport on Global Climate Changerisk: IPCCsmogwater rightswildfires The Intergovernmental Panel on Climate Change (IPCC) has issued the 32-volume, 2,610-page report on the changing global climate. The report sounds a clear alarm that global climate change is accelerating and its consequences are having immediate impact on the world’s ecosystems.  Scientists warn that steps must be taken to mitigate the social impact of climate change and prepare http://creditredi.blogspot.com/2014/03/ipcc-no-one-is-immune-from-effects-of.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-832178883517946554Mon, 31 Mar 2014 04:03:00 +00002014-03-31T03:30:04.002-07:00capability gapchange managementcustomer riskERMITPwC Risk in Reviewregulatory riskrisk appetiterisk cultureRisk: GRCSMEstakeholder communication Pricewaterhouse Coopers (PwC) has published its annual Risk in Review survey. Nearly two thousand global corporate professionals representing a broad cross section of industries responded to provide insights into how their organizations meet the challenges of enterprise risk management. The study was published against the backdrop of an emerging Eurozone recovery, US Sequester drivenhttp://creditredi.blogspot.com/2014/03/pwc-risk-in-review-2014-survey.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-2829129511577765291Fri, 28 Mar 2014 15:59:00 +00002014-03-28T09:13:19.742-07:00credit ratingCredit Redicredit riskrisk; smesme lendingSME World 2014 DubaiVikas Thapar CEO SME Business Emirates NBDZ Score Though 90 per cent of Dubai registered companies are small and medium enterprises (SMEs), just 4% of all business loans goes to SMEs. In developed economies lending to SMEs goes well into the double digits.  Vikas Thapar, CEO, SME Business, Emirates NBD, offered this observation during a panel discussion at SME World 2014 in Dubai.  Mr. Thapar went on to explain that http://creditredi.blogspot.com/2014/03/sme-world-2014-transparency-gets-loan.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-5460583784625954743Fri, 28 Mar 2014 00:40:00 +00002014-03-27T18:32:07.806-07:00AppleBitcoinCPAdigital assetse-commerceEUglobal economyIARPincome repatriationIrish IndependentIRSmultinationalOECDoff-shoringoutsourcingrevenue recognitionrisk: taxSME The Independent reports that Ireland's Chartered Accountants are warning that "new OECD proposals on taxing hi-tech multinational companies will fundamentally change business landscape."  The OECD has published a draft discussion on companies operating in the digital economy.  The question of determining tax liability for companies with a business model spanning multiple countrieshttp://creditredi.blogspot.com/2014/03/a-taxing-problem-digital-assets-and.htmlnoreply@blogger.com (riskrapper)1tag:blogger.com,1999:blog-880904181100288677.post-6615731461429012734Wed, 26 Mar 2014 03:50:00 +00002014-03-25T20:50:26.774-07:00"PIGS"AIBcredit ratingCredit RediCredit Review Officecredit riskECBEUGreeceIrelandIrish IndependentPortugalrisk; smesme lendingSpainZ Score Terrific piece on SME lending in yesterday's Irish Independent.  More than half of all lending decisions appealed to the Credit Review Office by small and medium enterprises (SMEs) are overturned. This is a good lesson for SME's to be persistent in the face of rejection. SME's that can show confidence in their business prospects and demonstrate a creditworthiness can turn a http://creditredi.blogspot.com/2014/03/smes-stand-their-ground-to-get-loan.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-5880561934359198860Tue, 25 Mar 2014 16:13:00 +00002014-03-25T09:13:39.001-07:00BSA ReportingcomplianceCPACredit Unionscriminal prosecutionFBARhedge fundsIRSlegalMSBOECDPatriot Actprivate bankingreputationRisk: AMLSAR filingtaxUBS A few years ago the IRS offered a tax amnesty program for US citizens who failed to declare assets held in foreign bank accounts. This came on the heels of a highly publicized legal action against UBS. The IRS forced the Swiss based bank to turn over the account information of US citizens. The IRS was clamping down on tax evaders, exploiting the protection of Switzerland's bank secrecy laws http://creditredi.blogspot.com/2014/03/file-fbar-or-find-yourself-behind-bars.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-5085705743512200978Mon, 24 Mar 2014 22:07:00 +00002014-03-24T15:07:43.656-07:00Basel IIIcredit riskDBS Bankgovernment spendingmacroeconomic riskOCBCregulatoryrisk: sme lendingSingaporeSingapore Business TimesStrait TimesUOB SME lending just got more expensive in Singapore. Basel III capital requirements has increased the risk weighting on SME loans. Banks are now required to set aside more capital to protect against SME loan defaults. This will drive up the cost of capital for SME’s as lenders pass on added costs to borrowers to maintain healthy margins on SME loans; Singapore’s Business Times reports. http://creditredi.blogspot.com/2014/03/singapore-sling-basel-iii-amps-sme.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-5352133442902650641Mon, 24 Mar 2014 04:52:00 +00002014-03-23T21:52:07.357-07:00accountinglegalregulatory compliancerisk: tax codetax audit Its that time of year again.  April 15th looms ever larger as small businesses scramble to meet the IRS  tax filing deadline.  For many small businesses, tax filing is handled by a trusted accountant or business adviser. That tends to take the trauma out of this annual exercise in pain.  But even with the help of a tax professional the angst of the season is always a http://creditredi.blogspot.com/2014/03/anatomy-of-tax-audit.htmlnoreply@blogger.com (riskrapper)2tag:blogger.com,1999:blog-880904181100288677.post-5100587266973655356Sun, 23 Mar 2014 16:43:00 +00002014-03-23T12:12:06.063-07:00Accionalternative financingcapital formationcommercial loanCredit Redicredit unioncrowd fundingD&Bmicro lendingMoney to Main StreetPhoenix AZprivate equityrisk; smeSBA Dun & Bradstreet has initiated a timely capital formation initiative for small businesses. Access to Capital - Money to Main Street is an event tour that will bring together regional providers of funding for small businesses and start-ups.   Economic recovery is combining with technology to energize innovations in small business funding options. Money to Main Street looks to http://creditredi.blogspot.com/2014/03/sme-capital-formation-money-to-main.htmlnoreply@blogger.com (riskrapper)2tag:blogger.com,1999:blog-880904181100288677.post-1790466256320739400Thu, 20 Mar 2014 14:15:00 +00002014-04-02T11:11:19.312-07:00BillFloatbusiness planning and analysiscredit repaircredit riskfinancial healthGolden Pacificprivate equityrisk assessmentrisk; smeSBA loanSmartBizsme lending Golden Pacific Bank in California has created a new lending subsidiary to provide SBA loans for small mid-size business enterprises (SME). The program called SmartBiz uses an advanced technology platform that allows the bank to reduce the cost of borrowing and extend credit more efficiently to creditworthy SMEs.  The lending platform was developed by the firm BillFloat. The http://creditredi.blogspot.com/2014/03/opening-sme-credit-channels_5442.htmlnoreply@blogger.com (riskrapper)1tag:blogger.com,1999:blog-880904181100288677.post-8919485308483965785Tue, 18 Mar 2014 21:59:00 +00002014-03-20T06:41:39.649-07:00business planning and analysiscommercial lendingcredit repaircredit riskfinancial healthlendingNFIBprivate equityrisk assessmentrisk; sme As the US economy slowly emerges from the great recession many small businesses are looking upon battered and bruised balance sheets and income statements.  Before the downturn they looked young healthy and vibrant but the distress of the credit crunch, high unemployment and record business closures has taken its toll. Receivables growing longer in the tooth each month.  Write offs http://creditredi.blogspot.com/2014/03/we-can-work-it-out-sme-credit-repair.htmlnoreply@blogger.com (riskrapper)0tag:blogger.com,1999:blog-880904181100288677.post-2540736627303609605Mon, 17 Mar 2014 21:53:00 +00002014-03-17T14:53:26.498-07:00cost of capitalFedFederal ReserveFOMCForbesGreat Recessioninterest rateJanet YellenQEQuantitative EasingRisk: credit riskSME Forbes Reports: 3/17/14 "...The Federal Open Market Committee (FOMC) expects the taper of the Quantitative Easing to continue. Economists expect the Federal Reserve to cut another $10 billion from its monthly asset-purchase program at its two-day monetary-policy meeting, lowering its monthly bond buys to $55 billion. The FMOC meets Tuesday and Wednesday, and it will be the first http://creditredi.blogspot.com/2014/03/qe-taper-risks-spike-in-global-interest.htmlnoreply@blogger.com (riskrapper)0