A lender underwrites a borrower on the strength of a financial picture that starts aging the moment the loan closes. That gap framed PYMNTS CEO Karen Webster’s Monday Conversation with Jose Bethancourt, co-founder and CEO of Method Financial. CEO Bethancourt said that’s the case behind Method’s Portfolio Intelligence, announced at the end of last month. Method CEO Bethancourt acknowledged that demand today leans toward grow. When a borrower deteriorates, the lender has an opening to offer a payment plan or another response to financial distress.