Gender and Banking: Are Women Better Loan Officers?

We analyze gender differences associated with loan officer performance. Using a unique data set for a commercial bank over the period 1996 to 2006, we find that loans screened and monitored by female loan officers show a statistically and economically significant lower likelihood to turn problematic than loans handled by male loan officers. This effect comes in addition to a lower risk of female borrowers and cannot be explained by sample selection, experience or education differences between female and male loan officers, or different workload of male loan officers.[...]

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Year of publication:	2009-07-15
Authors:	Beck, Thorsten ; Behr, Patrick ; Güttler, André
Institutions:	Universität <Frankfurt, Main> / Lehrstuhl für Betriebswirtschaftslehre, Schwerpunkt Investition und Finanzierung
Subject:	Screening \| Monitoring \| monitoring \| Verhaltensforschung \| Geschlechterforschung \| Lohndifferenzierung

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1. Introduction
2. Data
2.1. Sample construction
2.2. Summary statistics
3. Methodology
4. Main results
4.1. Baseline regressions
4.2. Robustness tests
5. The gender performance gap – exploring the mechanisms
5.1. Screening
5.2. Loan officer experience
5.3. Loan officer education
5.4. Differences in workload
6. Conclusions
References

Persistent link: https://www.econbiz.de/10005870558