Brent Radcliffe

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  1. Appraised Equity Capital

    Appraised Equity Capital

    The excess of the market value of an asset over its book value.
  2. Asset Liquidation Agreement (ALA)

    Asset Liquidation Agreement (ALA)

    A contract between the Federal Deposit Insurance Corporation and private sector contractors contracted to manage the assets of failed financial institutions.
  3. Adverse Domination

    Adverse Domination

    A legal doctrine that allows regulators to bring litigation against a corporation’s officers and directors as long as those officers and directors remain with the corporation.
  4. Affordable Market Value (AMV)

    Affordable Market Value (AMV)

    The sale price of a multi-family residential housing unit sold through the FDIC’s Affordable Housing Program.
  5. Asset Valuation Review (AVR)

    Asset Valuation Review (AVR)

    A process that establishes an estimate of the value of a failed bank’s assets.
  6. Assisted Merger

    Assisted Merger

    The merger of two or more financial institutions undertaken with the assistance of a regulatory organization.
  7. Assuming Institution

    Assuming Institution

    A healthy financial institution that purchases the assets of a failed financial institution.
  8. Capital Loss Coverage Ratio

    Capital Loss Coverage Ratio

    The difference between an asset’s book value and the amount received from a sale relative to the value of the nonperforming assets being liquidated.
  9. Derived Investment Value (DIV)

    Derived Investment Value (DIV)

    A valuation methodology used to calculate the present value of future cash flows of liquidated assets, less expenses associated with the liquidation process.
  10. Entitlement Offer

    Entitlement Offer

    An offer to purchase a security or other asset that cannot be transferred to another party.
  11. Net Premiums Written

    Net Premiums Written

    The sum of premiums written by an insurance company over the course of a period of time, less premiums ceded to reinsurance companies, plus any reinsurance assumed.
  12. Gross Cash Recovery (GCR)

    Gross Cash Recovery (GCR)

    The gross cash colloctions expected over the remaining life of an asset. Gross cash recovery is often expressed as a percentage of book value.
  13. Inherent Risk

    Inherent Risk

    The risk posed by an error or omission in a financial statement due to a factor other than a failure of control.
  14. Initial Targeted Cash Value

    Initial Targeted Cash Value

    The gross amount of collections expected to be obtained through the liquidation of assets in an asset pool.
  15. Liquidation Differential

    Liquidation Differential

    The loss in value of an asset after it has been placed in receivership or liquidation.
  16. Financial Action Task Force (FATF)

    Financial Action Task Force (FATF)

    An intergovernmental organization that designs and promotes policies and standards to combat money laundering.
  17. Business Net Retention

    Business Net Retention

    The amount of policies that remain after accounting for policies that are canceled, lapsed, or ceded to a reinsurer.
  18. Case Management

    Case Management

    Planning, processing and monitoring the healthcare services given to a patient by a coordinated group of healthcare providers.
  19. Ceded Reinsurance Leverage

    Ceded Reinsurance Leverage

    The ratio of ceded insurance balances to policyholders’ surplus. Ceded reinsurance leverage represents the extent to which an insurance company relies on ceding risk to reinsurers.
  20. Class 3-6 Bonds

    Class 3-6 Bonds

    Several classes of noninvestment grade bonds held by an insurance company as res
  21. Conditional Reserves

    Conditional Reserves

    Surplus reserves held by insurance companies that are treated as liabilities, and which can be drawn upon in order to cover claims.
  22. Guaranteed Issue Rights

    Guaranteed Issue Rights

    A right afforded to individuals insured under Medicare that requires insurance companies to offer Medicare supplement insurance, also called a Medigap policy.
  23. Impaired Insurer

    Impaired Insurer

    An insurance company that is potentially unable to fulfill its policy obligations, and has been placed under rehabilitation or conservation.
  24. Direct Premiums Written

    Direct Premiums Written

    Total premiums received before taking into account reinsurance ceded.
  25. Insurance Guaranty Association

    Insurance Guaranty Association

    An organization that protects policyholders and claimants in the case of an insurance company’s impairment or insolvency.
  26. Insurance Inflation Protection

    Insurance Inflation Protection

    Insurance inflation protection is designed to allow policyholders to make sure that the benefits they receive can keep up with the inflation rate.
  27. Lapse Ratio

    Lapse Ratio

    The lapse ratio represents the percentage of policies that were not renewed, and thus have lapsed in coverage.
  28. Lifetime Reserve Days

    Lifetime Reserve Days

    The number of hospital days that an insurance policy will cover above the number of days allotted per benefit period.
  29. Loss Adjustment Expense (LAE)

    Loss Adjustment Expense (LAE)

    The expenses associated with investigating and settling insurance claims.
  30. Net Premium

    Net Premium

    The expected present value of a policy’s benefits less the expected present value of future premiums.
  31. Variable Annuitization

    Variable Annuitization

    An annuity option in which the amount of income payments received by the policyholder will vary according to the investment performance of the annuity.
  32. Mutual Insurance Company

    Mutual Insurance Company

    An insurance company that is owned by policyholders. The sole purpose of a mutual insurance company is to provide insurance coverage for its members and policyholders, and its members are given the right ...
  33. Quick Liquidity Ratio

    Quick Liquidity Ratio

    The total amount of a company’s quick assets divided by the sum of its net liabilities plus and its reinsurance liabilities.
  34. Usual, Customary and Reasonable Fees

    Usual, Customary and Reasonable Fees

    Out-of-pocket fees that an insurance policy holder must pay for services.
  35. Term

    Risk Retention Group (RRG)

    A state-chartered insurance company that insures commercial businesses and government entities against liability risks.
  36. Term

    Reinsurance Ceded

    The portion of risk that a primary insurer passes to a reinsurer.
  37. Kickback


    The payment of something of value to an individual with the goal of persuading or influencing his or her decision or performance in a certain situation.
  38. Strategic Management

    Strategic Management

    The management of an organization’s resources in order to achieve its goals and objectives.
  39. Performance Management

    Performance Management

    The management of employees, departments, and organizations to ensure that goals and objectives are being reached efficiently and effectively.
  40. Assembly Line

    Assembly Line

    A production process that breaks the manufacture of a good into steps that are completed in a pre-defined sequence. Assembly lines are the most commonly used method in the mass production of products. ...
  41. Copyright Infringement

    Copyright Infringement

    The use or production of copyright protected material without the permission of the copyright holder.
  42. Social Enterprise

    Social Enterprise

    An organization that is directly involved in the sale of goods and services to a market, but that also has specific social objectives that serve as its primary purpose.
  43. Radio Frequency Identification (RFID)

    Radio Frequency Identification (RFID)

    A technology that allows the identification of an item using radio waves.
  44. Term

    Market Leader

    A company that has the largest market share in an industry, and which can use its dominance to affect the competitive landscape and direction the market takes.
  45. Term

    Working Tax Credit (WTC)

    A tax credit offered to low-income individuals working in the United Kingdom.
  46. Term

    Cottage Industry

    A small-scale industry often operated out of a home, rather than out of a factory.
  47. Term


    The business sector encompassing farming and farming-related commercial activities.
  48. Bulldog Market

    Bulldog Market

    A nickname for the foreign bond market of the United Kingdom. The Bulldog market is the internal market in which the securities of issuers not living in the United Kingdom can be bought and sold.
  49. Term

    Disruptive Technology

    A technology that significantly alters the way that businesses operate. A disruptive technology may force companies to alter the way that they approach their business, or risk losing market share or becoming ...
  50. Term

    Disruptive Innovation

    A technology whose application significantly affects the way a market functions.
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