Daniel Ackerman
speaker
269 appearances
10 recordings
2 series
first heard Feb 2026
last heard 1 Jun
Daniel Ackerman’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 10 in all, peaking in May 2026 with 3.
Appearances
Marketplace All-in-One · There are more unemployed people than job openings right now · 5 Feb 2026
podcast
The labor market is a very challenging place for young people, for young workers.
Their unemployment rates are approaching double digits.
Unemployment for Black workers is rising too.
So when you add all of this up together, the conclusion is that the labor market is just not creating enough jobs.
And she says the problem doesn't seem to be improving.
The number of workers unemployed for half a year or longer has nearly doubled in the past three years.
I'm Daniel Ackerman for Marketplace.
When you ask a lender how they decide whether to make a loan, they'll often bring up the five C's of lending.
Character, capacity to repay, capital or financial resources, collateral, and conditions.
We're looking at how the loan will be used and external factors like interest rates and trends in the industry.
That's Robert James II, CEO of Carver Financial Corporation, which owns banks in Alabama and Georgia.
He says the most important C on that list is character, as in a borrower's credit history.
But another big one is capacity, whether a borrower will be able to repay a loan today and in the future.
And that's where the presence of AI, the threat of AI, or perhaps the opportunity presented by AI starts to impact a business model.
Lenders are concerned about whether AI is going to disrupt a borrower's entire industry.
David Schiff with FTI Consulting says a bank might think twice about lending to a company that provides services that AI can provide.
There's a threat where customers could substitute and or put pricing pressure on them.
On the other hand, Schiff says AI could make some borrowers more attractive to lenders.
A company that can use AI tools might be able to cut costs and pay off its debt more easily.
Where there is a lot of underlying expense tied to easily repeatable, digitizable tasks, a lot of banks are looking at that as a cost-save opportunity.
Showing 141–160 of 269 · page 8 of 14
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