With CFG we took on a project to revamp the FP&A process, with a very simple output a 2024 Budget. To do so a new tool had to be implemented, Planful. I’ll go over what the process looked like, what Planful is, and what I learned along the way. What is...
Placing a new security on the securities market is a complex process that involves several key steps. Working through a refinance of the CFG 2021-1 Securitization (referred to as SEC in this blog at times) allowed me to work closely with these key steps and this blog...
Currencies are pegged against the US dollar (USD) in a number of ways. In general, a currency is pegged to the USD in order to stabilize its value and to make it more attractive to investors and traders. Fixed Exchange Rate System One way that currencies can be...
supported by Notion AI A Real Estate Investment Trust or REIT is a company that owns, operates, or finances income-generating real estate. REITs pool money from multiple investors to purchase and manage different types of properties, such as office buildings,...
Updated 2023-03-30 Bond yields are significantly affected by monetary policy, specifically FED imposed interest rates. Fed Funds Rate has the effect of changing the overnight lending rate that banks use to borrow and lend money to each other. An increase in the...
CFG Partners operates in multiple markets in the Caribbean providing loan options to borrowers in their respective markets. CFG gathers some funding for these loans through debt capital markets, using eligible loans as collateral for debt. At the corporate level of...
Check out this resource on Business and Finance Terms for easy use and reference, made by yours truly on Notion. See Notion...
Owner occupied financing refers to when a borrower for a property purchase will be staying and occupying said property. This is a preferred lending option for most lenders and financial institutions, because with the borrower living there they are more likely to...
Loan-to-Value and Combined Loan-to-Value ratios are used to evaluate the total amount of a property that is encumbered by liens and debt obligations. Understanding how providing a loan to a borrower relates to the value of the property or asset the loan is for shows...
When applying for a home loan, the lender is going to do some underwriting to see how much the borrowing can pay and borrow. One important metric is the Debt-to-Income Ratio (DTI). This metric depicts how much debt you have versus the income you make. You can...
Owner Financing is a unique transaction where the seller of a property finances the purchase directly with the person or entity buying it. This can be for the entire purchase price or a portion of it. One benefit for this arrangement is that it eliminates the bank...
Owning property provides you with equity, making it such a great investment. In the case of a home purchase with financing you are building equity over time, through both the property value increase and paying down your loan. With the equity you can secure low cost...
A financial model serves the purpose of interpreting financial numbers into a meaningful analysis. While they vary depending on the objective, the information gathered from financial models allows for quality decision making, a better understanding, and a simplified...
Robinhood, A Preferred Trading Brokerage In short, my preferred #1 brokerage I use is Robinhood. It definitely gives me the most bang for my buck, since it offers commission free transactions and then some! Commission Free Transactions Optional Cash High-Yield Savings...