Many banks and credit unions are still relying on legacy, backward‑looking approaches to understand credit risk. In today's Financial Strategies podcast, Andrew and Daniel Agemy explain how to leave those methods behind and adopt a fresher, more integrated view of your loan portfolio that actually reflects today’s environment.​ If you’re ready to retire “the way we’ve always done it” and replace it with a sharper, more proactive approach to portfolio management, this podcast is for you.