Perficient

APRIL 8, 2024

Addressing these deficiencies required a comprehensive approach, leading to the establishment of critical programs like the US Bank Holding Company (BHC) regulatory and comprehensive capital analysis and review (CCAR) program. Supporting the change management team in building a robust governance structure for program PMO activities.

Compliance 221

Compliance Management Guidelines Risk Management 221

Abrigo

OCTOBER 10, 2023

How industry analysis can improve your credit risk management Understanding your customers' businesses leads to better loan pricing, structure, and risk management. WATCH WEBINARS Takeaway 1 All businesses perform industry analysis, but financial institutions in particular must know their customers' competitive landscape.

Analysis 195

Analysis Industry Risk Management Lending 195

Abrigo

FEBRUARY 14, 2024

Find commercial real estate risks in the loan portfolio Sound risk management practices in commercial real estate lending help lenders manage CRE credit losses and protect the portfolio's profitability. You might also like this podcast, "How to sleep easier at night about your capital and risk levels."

Risk Management 195

Risk Management Management Lending Capital 195

Abrigo

APRIL 19, 2022

Avoid common mistakes in your global cash flow analysis Get proficient in your global cash flow analysis efforts. Global Cash Flow analysis is used by financial institutions to assess the combined cash flow of a group of people and/or entities to get a global picture of their ability to service the proposed debt.

Analysis 195

Analysis Taxes Lending Examples 195

South State Correspondent

MARCH 19, 2023

While every bank will take some level of credit, interest rate, liquidity, and operational risk, the question is this: Are banks in the business of taking risk to earn higher revenue, or are banks managing relationships and should avoid risk (and the higher return) when possible? The markets (i.e.,

Analysis 195

Analysis Community Bank Operations Community 195

PYMNTS

MAY 20, 2020

To help real estate investors contend with the increasingly complicated accounting and compliance work particular to real estate, Avignon Capital , a European firm, has rolled out a new in-house corporate accounting offering. Comer will spearhead the initiative.

Capital 207

Capital Texas Analysis Compliance 207

Abrigo

JANUARY 24, 2025

They also share tips for managing risk and pricing. As a result, financial institutions with CRE concentrations find it increasingly important to strategically manage the competitive pressures and risks related to origination, refinancing, and loan performance. Managing their current risk is vital, too.

Lending 221

Lending Trends Risk Management Management 221

Abrigo

FEBRUARY 25, 2025

Manual back-end steps bog down loan approvals Financial institutions can make financial analysis, risk rating, pricing, and other steps for processing small business loans less painful. But these businessesoften the backbone of their communitiesdepend on access to capital. Theyre energy-draining, slow-moving, and inefficient.

Lending 195

Lending FDIC Policies Analysis 195

Abrigo

JUNE 28, 2024

Navigating interest rate management in today's environment As regulators focus on interest rate risk management, read about what financial institutions can do to be ready for a rate drop. You might also like this on-demand webinar, "Navigating uncertain times: Strategies for effective risk management and compliance."

Community Bank 195

Community Bank Strategy Community Management 195

Abrigo

JANUARY 11, 2022

Asset/liability management basics In part 1 of this "Introduction to ALM" blog series, learn the goals of asset/liability management and how it can help financial institutions. Takeaway 1 ALM in banking means managing the cash flows of assets and liabilities to increase profitability, manage risk, and maintain safety and soundness. .

Management 195

Management Meeting Capital Strategy 195

Abrigo

JUNE 26, 2017

By Alison Nailor, Sageworks As a business owner, you understand it’s important to be aware of your company’s cash flow and manage it well. In the rush of day to day business management, however, this can be difficult. The following are five best practices to help you manage your business’s cash flow well.

Management 199

Management eBook Analysis System 199

Abrigo

MARCH 25, 2022

This ALM 101 post describes the value at risk(VAR)/economic value of equity (EVE) risk perspective (long-term risk to market value of capital). Takeaway 3 Financial institutions use VAR/EVE analysis to weed out "quick fixes," or strategies that look attractive but can be harmful in the long run. It is the third in a series. .

Management 195

Management Analysis Examples Strategy 195

South State Correspondent

JUNE 20, 2024

Banks don’t have enough product managers. A manager may oversee the operation of a product, but few banks have product managers who drive product development and performance. This article further explores what it means to be a bank product manager. What is Bank Product Management?

Management 195

Management Training Strategy Compliance 195

Abrigo

JANUARY 17, 2025

One way to easily envision this, according to Abrigo Advisory Services Manager Manuel Aya, is to think of it as the value that arises from retaining depositors, and hence deposits, at an institution versus needing to go into the open market to fund activities. This could reduce the intangible value of deposit-related assets.

Strategy 195

Strategy Guidelines Management Operations 195

Abrigo

SEPTEMBER 14, 2020

Key Takeaways ALM professionals often inquire about reports they can run using their ALM models to help manage their financial institutions. I’m often asked by asset/liability management professionals for advice on using ALM models to generate reports that provide meaningful information to aid in managing the financial institution.

Report 195

Report Management Comparison Capital 195

Abrigo

SEPTEMBER 14, 2020

Key Takeaways ALM professionals often inquire about reports they can run using their ALM models to help manage their financial institutions. I’m often asked by asset/liability management professionals for advice on using ALM models to generate reports that provide meaningful information to aid in managing the financial institution.

Report 195

Report Management Comparison Capital 195

Abrigo

AUGUST 5, 2020

Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. This is especially true in an economic downturn.

Management 195

Management Risk Management Trends Industry 195

Abrigo

AUGUST 1, 2022

Best practices for assessing models and managing risk Sound model development, implementation, use, and validation is especially important as CECL models debut. . What are model risk management and model validation? Appropriate” and “timely” are relative concepts, so for low-risk models, an analysis might occur every three years.

Risk Management 195

Risk Management Management Regulation Analysis 195

PYMNTS

JUNE 29, 2020

But some analysis suggests supplier payment strategies are in flux to better support the working capital positions of corporates. Analysis of more than 1,400 companies in the region found a whopping 40 percent increase in the portion of businesses that are being paid late, compared to 2019 research. ” $1.3

Payments 256

Payments Analysis Capital Strategy 256

South State Correspondent

FEBRUARY 22, 2023

Non-Expert Deposit Pricing Management – How To Destroy Bank Franchise Value The best way to quickly destroy value is to peg a deposit product to an index such as SOFR, Prime, Fed Funds, or Treasuries. However, this doesn’t tell the whole story when it comes to deposit management. This correlation is down to negative 23%.

Management 195

Management Marketing Branding Strategy 195

Abrigo

DECEMBER 13, 2019

Key Takeaways Changing your perspective on asset/liability management can position your financial institution for better business results. If those discussions aren’t coming in through the asset/liability management function, financial institutions may be missing out, according to Dave Koch, Managing Director of Abrigo Advisory Services. “If

Management 195

Management Strategy Meeting Comparison 195

PYMNTS

NOVEMBER 20, 2020

Fresh on the heels of a $200 million round of fundraising, Tel Aviv’s Red Dot Capital is straying from its bread-and-butter focus on homegrown Israeli technology and security startups to find opportunity half a world away in Southeast Asia. What’s Out of Favor.

Capital 192

Capital United States Strategy Marketing 192

PYMNTS

AUGUST 21, 2020

“Defendants have unreasonably and unlawfully attempted to capitalize on Citibank’s unfortunate error,” the complaint said. million from HPS Investment Partners LLC, the New York based capital solutions company, and $109.7 million from Symphony Asset Management LLC, the San Francisco research, valuation and risk analysis firm.

New York 263

New York San Francisco Capital Analysis 263

Abrigo

MAY 2, 2024

We'll cover everything from understanding the borrower's needs to the fundamentals of financial analysis and the importance of building a trusted relationship with borrowers. Compliance and Risk Management: The loan policy ensures that the lending function operates within the regulatory and compliance framework.

Lending 221

Lending Strategy Analysis Policies 221

South State Correspondent

JANUARY 22, 2025

The AI consultant can access your call report history and ingest bank documents, including past strategic plans, vision statements, department goals, and anything else the management team deems necessary. Gen AI excels at distilling options down to recommendations, which is helpful to management teams that are having a hard time deciding.

How To 195

How To Data Training Tools 195

Abrigo

JULY 19, 2016

The 2016 Risk Management Summit features experts from the American Bankers Association, CliftonLarsonAllen, Crowe Horwath, Grant Thornton, KPMG, and Promontory Financial Group, among others. This September, Tom will deliver an address full of energy, humor and wisdom to help guide leaders on how to fully capitalize on times of change.

Risk Management 150

Risk Management Management Analysis New York 150

Abrigo

OCTOBER 14, 2022

Fortify your credit risk management framework How to prepare your organization for scrutiny of its credit risk management practices during your next exam or review. . You might also like this whitepaper, "Stress Testing: Managing Capital Levels and Credit Risk." keep me informed. Know your limits. Have a playbook.

Risk Management 195

Risk Management Management Policies Lending 195

Abrigo

MARCH 21, 2023

You might also like this video on managing interest rate risk. Takeaway 2 Some banks and credit unions were late movers and are now scrambling to lock in funding for the short term to meet liquidity and capital needs. Stay up to date with Abrigo advisors' ideas for managing interest rate risk. 1, 2022, to the current day.

Risk Management 195

Risk Management Management Strategy Lending 195

Abrigo

NOVEMBER 11, 2019

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance.

Management 150

Management FDIC Community Risk Management 150

South State Correspondent

JUNE 11, 2024

We aim to explain the reason for this spike in the percentage of unprofitable community banks so that bankers can better manage their business model. We considered 18 variables to explain the statistical significance using a T-test analysis between the positive and negative ROE bank group with a p-value of 0.01.

Community Bank 221

Community Bank Community Analysis Capital 221

South State Correspondent

FEBRUARY 18, 2024

An interest rate hedging strategy, specific hedge duration, amortization term, capital infusion covenants, and other loan structure requirements become more critical with higher leverage loans. debt yield, and the CRE capitalization (cap) rate is 7.00%. CRE loans are almost always highly leveraged, and this loan is no exception.

Management 195

Management National Guidelines Capital 195

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. ALM 101: Introduction to Asset/Liability Management. This is the fourth post in a series. .

Management 195

Management Meeting Risk Management Operations 195

South State Correspondent

SEPTEMBER 18, 2023

The analysis demonstrates that without substantial reliance on technology, automation, or both, community banks are challenged to show positive return on equity (ROE) or return on assets (ROA) for loans below $250k in size. That is, bank managers should incent the desired portfolio construction.

Management 195

Management How To Community Bank Community 195

PYMNTS

MAY 22, 2020

Bad news hit the startup community this week as new analysis from CBInsights revealed a significant decline in venture capital (VC) funding in the first quarter of 2020. In addition to invoice finance, the company offers SMBs a range of other solutions, including order management and online payments tools. Apollo Agriculture.

Capital 141

Capital Analytics Fintech Report 141

Accenture: Banking

AUGUST 20, 2019

Business management solution providers [also referred to as Independent Software Vendors (ISVs) in the payments space] are increasingly looking to expand their product offerings from traditional business management solutions to integrated business and payment solutions. Merchants therefore need to adapt. 1 Worldpay.

Software 150

Software Capital Payments Analysis 150

Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. Eberley, director of the FDIC's Division of Risk Management Supervision wrote in the publication.

FDIC 186

FDIC Risk Management Analysis Lending 186

PYMNTS

APRIL 28, 2020

The indirect spend management company also rebranded its products and technology platform to better show its capabilities throughout sourcing, procurement, spend analytics and data enrichment, according to an announcement. In separate news, Tradeshift teamed with Chain IQ to offer procurement services innovation.

Data 136

Data Management User Experience Maine 136