Moral hazard occurs when one party takes excessive risk because they don’t bear the full consequences of their actions. In finance, it often arises when institutions expect to be bailed out—such as “too big to fail” banks—leading to reckless behavior under the assumption someone else will absorb the loss.
« Back to Glossary Index
Loan Administrator, BS finance
Savina earned a Bachelor’s of Science degree in finance at the University of Utah School of Business, and currently manages both residential and industrial investment property in multiple states.
Senior Loan Administrator
Sarah received an AA degree from West Hills CCD, has held a number of managerial positions, and has been in the mortgage industry for over a decade. Sarah has extensive experience in private money loan lending and loan administration, is a successful real estate investor, and has experience in design, construction, and property management.
Broker/MLO
John has worked in the banking, finance, and mortgage industry for over 30 years, and is licensed as a mortgage broker and real estate agent. John’s extensive knowledge and experience in financing and credit have enabled him to find creative private lending strategies for his clients for over three decades.
MBA, CERTIFIED FINANCIAL PLANNER™
Mark has a BS in finance from the University of Utah, MBA from the University of Colorado, and was an adjunct professor of finance at the University of Utah for eighteen years. Mark recently retired after 25 years as senior vice president of a wealth advisory firm in Salt Lake City.
Mark is a published author (Pathway to Prosperity), has worked in finance for over 25 years, and has been a successful real estate investor for over four decades. He is passionate about financial literacy and helping others become financially successful.
Email: mark@wasatchfinance.com
