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The so-called war for talent has driven a marked increase of attention and investment in the talent management space as new vendors continue to enter to support an ever-growing demand for strategic human resources applications. Many of these competitors have entered via the software as a service ( SaaS ) delivery model, affording small and medium business ( SMB ) new less-costly options. Competency-based management systems define the job to be done and the consequent required skills to perform said job. The outputs of CBM systems are parameters input into production talent management systems .
Student loans consist of federally insured student loans (minimal credit risk) and non-federally insured student loans (with credit risk similar to other bank loans). The vast majority of our student loans are federally insured.