Meurig Chapman
Broken rule reports
Broken rule report is a valuable tool in credit risk management.
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News & Insights
The latest credit, data and regulatory news, trends and insights from our team of credit risk specialists.
Meurig Chapman
- Nov 20
I’ve just graduated: Is a career in credit risk management right for me?
Delve into what credit risk management entails and factors to consider when deciding if it’s the right career choice for you.
Meurig Chapman
- Nov 2
Six things I've learned in the last six years
Six things I've learned in the last six years since starting Happy Prime.
Meurig Chapman
- Oct 19
Understanding the Philips Unemployment and Inflation Curve in credit risk management
The Phillips Unemployment and Inflation Curve is a valuable tool in credit risk management.
Meurig Chapman
- Oct 12
Does an inverted yield curve mean a recession is imminent?
Find out more about what an inverted yield curve is, how it works, and whether it truly signals an imminent recession.
Meurig Chapman
- Sep 19
Incorporating Climate Change into Credit Risk Assessment
As businesses and financial institutions face a growing number of climate-related challenges, it’s imperative to ask the question: should...
Meurig Chapman
- Sep 18
Celebrating Excellence: Happy Prime Sponsors "Team Spirit" at FSF Awards
At Happy Prime, our commitment to collaboration and positive change within the financial sector is unwavering. We're excited to announce...
Meurig Chapman
- Sep 14
The 3 Lines of Defence
Find out why banks and financial institutions that adopt the 3 lines of defence model are better equipped to manage credit risk and...
Meurig Chapman
- Sep 6
Reverse Mortgage Vs. Debt Consolidation
The choice between reverse mortgages and debt consolidation hinges on your unique financial circumstances, goals, and preferences. Both...
Meurig Chapman
- Aug 23
What is Survival Analysis?
One of the primary benefits of using survival analysis in credit risk management is that it allows lenders to identify high-risk customers
Meurig Chapman
- Aug 22
CCCFA | The Positive Impact on Kiwi Consumers
Learn how the recent change in requirements made by the CCCFA have positively impacted lenders in New Zealand.
Meurig Chapman
- Aug 9
Evaluating a Borrower’s Creditworthiness
Lenders and financial institutions use different methods to evaluate a borrower's creditworthiness.
Meurig Chapman
- Aug 1
Climate-Related Financial Risk and Opportunities Reporting
The RBNZ requires registered banks and licensed non-bank deposit takers to report on their climate-related financial risk.
Meurig Chapman
- Jun 30
The 3 C's of Credit Risk Explained
Understanding the importance of the three C's in credit risk management and how they're used to assess the creditworthiness of entities.
Meurig Chapman
- Jun 15
Automated Valuation Models
What are AVMs? And how do they help estimate the market value of a property? Read more to understand their advantages and limitations
Meurig Chapman
- May 17
Net Worth and Discretionary Spending
What is net worth and does it have an impact on discretionary spending? We explore how the relationship is not always straightforward
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