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William Haraway Ryan

Research Analyst at Seaport Research Partners

William Haraway Ryan is a Research Analyst at Seaport Research Partners, specializing in financial services and lending platforms. His public research activity includes coverage of LendingClub, where he has addressed questions regarding strategic portfolio management, competitive dynamics, and underwriting standards during earnings calls. Ryan’s career timeline and previous employers are not detailed in available public sources, nor is there direct information on his start date at Seaport Research Partners or prior roles. There is no available evidence of quantitative performance metrics, such as TipRanks rankings or published success rates, nor specific mention of FINRA registration or securities licenses. Based on public appearances, Ryan focuses on the intersection of fintech innovation and credit markets.

William Haraway Ryan's questions to LendingClub (LC) leadership

Question · Q3 2025

William Haraway Ryan asked about LendingClub's future disposition plans across structured certificates, whole loans, and extended seasoning, including strategies for growing the held-for-investment portfolio and balance sheet, and the economics of various disposition channels. He also inquired about the competitive landscape, increased origination volumes, potential credit box expansion by competitors, and any resulting pressure on LendingClub's underwriting standards.

Answer

CFO Drew LaBenne stated that the held-for-investment target for Q4 is roughly $500 million, with other programs remaining consistent and strong demand for structured certificates and rated products. CEO Scott Sanborn clarified that sales economics vary, with insurance-rated transactions now approaching bank prices, and the mix is driven by best execution. Regarding competition, Scott Sanborn noted that LendingClub's growth comes from a low base, maintaining credit discipline, and not seeing increased competition affecting their underwriting standards, emphasizing a long-term focus.

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