Bearish Signals

First off, I'm not the best @ TA, so I would appreciate it if a mistake is seen - please tell.

Multiple bearish signals on Ichimoku cloud, RSI, MACD. Very similar pattern is evident on GS & MS.

Default rates on student loans, retail, & personal are climbing. Combined with a mediocre jobs report, this spells out trouble for banks. However, to me, the most important thing is that big banks have continued to do sub-prime loans. They are the loaners of the loaners of the loaners. Many 2nd & 3rd tier subprime loaners have defaulted and declared bankruptcy. This is not good news for big banks, who, in my opinion, have got greedy, again. On top of this, banks did not do exceptionally well in earnings considering the tax cuts of President Trump.

Nearly 200B in likely exposure, at minimum, for the top 6 big banks alone.

wolfstreet.com/2018/04/11/how-much-are-banks-exposed-to-subprime-more-than-we-think/
wolfstreet.com/2018/04/13/as-malls-get-crushed-commercial-real-estate-prices-fall-to-lowest-in-nearly-two-years/ (I quite like wolfstreet, very well researched analysis, reasonable article, in my opinion)
forbes.com/sites/zackfriedman/2017/10/06/student-loan-default/