Press

“The executives [of Credit Suisse] really need to jump on this to inform investors and the general public very specifically about what they’re going to do about a restructuring,” said Mayra Rodríguez Valladares, a financial risk consultant who trains bankers and regulators. Read More

House Democrats may zero in on the lack of diverse leadership at some of the largest banks, said Mayra Rodriguez Valladares, a capital market consultant and trainer who works with banks on risk and management issues. “House Democrats are likely to ask why boards and executive levels are still not diverse,” Valladares said. “There is no reason why banks cannot spend more time at historically Black colleges or those with numerous Hispanics all over the Southwest, especially.” Read More

“Even with decreasing gasoline prices in the US, prices of food have been stubborn. Unfortunately, even with high Fed rate hikes, bringing prices down takes more time than most of us would like. “Moreover, inflationary pressures are presently global, not just in the US.” She fears that aggressive hikes will cause some highly leveraged companies to default on their debt. Read More

Mayra Rodriguez Valladares, managing partner at MRV Associates, a financial consulting firm that provides training and research, told TheStreet that investors who follow policy decisions are the ones who are most likely to do well overall. “Any fixed income investor or analyst has to be monitoring not only the Fed, but other central banks as well,” she said. “The Fed does think about economic and market conditions in other countries as well. We are too interconnected for the Fed to act only based on the U.S. economy or markets.” Valladares specializes in bank and capital markets risk and she said that the recent inflation numbers weren’t a shock to her.  That kind of built-in hedging can very helpful for nervous investors, too. “I was not surprised by the numbers. Multiple central banks, especially the Federal Reserve, Bank of England, Bank of Canada, and many in emerging markets have been raising rates” she said. “While it take time, rate hikes will influence inflation to decrease.” Read More

Mayra Rodriguez Valladares with MRV Associates said many people have been dipping into their savings. “So they need more cash to pay off credit cards. They need more cash to pay that gasoline, you know, any of their loans,” Valladares said. “And so what that means is that you’re going to also start, quite likely, seeing reductions in deposits at banks.” As a result, Valladares said, lenders have been taking steps to make sure they’re prepared for more delinquent loans. Read More

“RODRIGUEZ VALLADARES: The banks came in better capitalized, more liquid, less leveraged, and that helped them withstand the severity of the unexpected nature of COVID. Had banks been significantly undercapitalized and illiquid the way that they were at the beginning of 2007 and into 2007 and COVID had struck then, you know, banks would have been wiped out.” Read More