In this episode of The Center for USA Lending’s The Lending Brief, sponsored by Allocore, we’re joined by Roman Iwachiw, founder of FI Consulting and a 25-year veteran of federal credit analytics, for a candid look at how the government’s approach to managing its $5 trillion lending portfolio has evolved, and where it still falls short. Starting from the early days of minimal FCRA compliance, Roman traces the arc from building basic subsidy models just to get by, to sophisticated portfolio analytics that can identify risk drivers, set better fees, and inform program strategy.
He also takes stock of where the work is unfinished: breaking down silos between CFO shops and program offices, measuring social outcomes alongside financial risk, and confronting the patchwork of aging technology that makes modernization so difficult. Plus, Roman previews an exciting new research initiative with the Center to benchmark portfolio analytics maturity across federal agencies, with the explicit goal of producing something agencies will actually use.