Contrary to popular belief, risk isn’t something to avoid. Risk is not even an element to minimize. This is counterintuitive as most bankers are taught to avoid and minimize risk. For that matter, most regulators, board members, and investors also reinforce this notion. Take for instance the dozen of credit parameters like maximum loan-to-value (LTV) that are hard and fast rules regardless of the quality or trend of the collateral value and absent of any analysis on pricing.