Perficient

FEBRUARY 15, 2024

These DFS500 amendments signal a crucial shift in the regulatory landscape, emphasizing the imperative for robust governance, risk management, and compliance frameworks across the financial industry. Control Testing and Gap Analysis: Evaluate controls to gauge their effectiveness in mitigating risks.

Compliance 221

Compliance New York Regulation Analysis 221

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.

Community Bank 195

Community Bank FDIC Community National 195

Abrigo

JULY 20, 2024

Credit risk : In C&I lending, at least part of the collateral is intangible. The emphasis for commercial credit risk management and evaluation is cash flow, fixed charges coverage, and working capital cycles. What will need to change for solid commercial credit analysis ? Being ready to capture a share of the $1.7

Lending 195

Lending Risk Management Management Capital 195

Perficient

FEBRUARY 15, 2024

The NYSDFS Part 500 amendments signal a crucial shift in the financial services regulatory landscape and underscore the importance of robust governance, risk management, and compliance frameworks. Control Testing and Gap Analysis: Evaluate controls to gauge their effectiveness in mitigating risks.

New York 221

New York Compliance Regulation Analysis 221

Abrigo

NOVEMBER 18, 2024

Key topics covered in this post: Regulatory focus Key questons for ALCOs Governance and concentration risks Expect the unexpected Regulators 'could not be more clear' Today’s regulatory climate is turning up the heat on financial institutions when it comes to liquidity and interest rate risk management.

Risk Management 195

Risk Management Regulation Policies Management 195

Abrigo

NOVEMBER 8, 2019

Stress Testing | 7 minute read Key Takeaways Stress testing is an important component of sound risk management. Top down and bottom up analysis can inform capital assessments. Stress testing provides banks and credit unions with a unique opportunity to better manage their institution’s financial performance. .

Lending 150

Lending Risk Management Analysis Capital 150

South State Correspondent

MAY 15, 2024

We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify. Community banks are already diversified within their geography and loan categories.

Community Bank 195

Community Bank Community Lending Study 195

South State Correspondent

MAY 15, 2024

We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify. Community banks are already diversified within their geography and loan categories.

Community Bank 195

Community Bank Community Lending Study 195

Abrigo

DECEMBER 22, 2023

Takeaway 3 Updates on interest rate forecasting and best practices for managing CRE risk were among the most-read blogs. Abrigo's most popular risk management blogs over the last 12 months cover topics that continue to catch the attention of professionals and regulators.

Risk Management 221

Risk Management Regulation Management Lending 221

Abrigo

JUNE 11, 2021

Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). Takeaway 2 Asset/liability management models use earnings or income simulation models and gap analysis to measure short-term IRR. FDIC) noted in its 2021 Risk Review.

How To 195

How To Risk Management Analysis Kansas City 195

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. Learn more about the Sageworks Credit Risk Management Solution.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

Abrigo

SEPTEMBER 7, 2023

They can result in sub-optimal lending for community banks and credit unions as well as the communities they serve across the country. With the amount of data an institution has at its fingertips, it can be hard to determine what’s relevant and how to apply it for the most effective reporting and analysis.

Report 195

Report Lending Trends Data 195

South State Correspondent

FEBRUARY 8, 2023

The current yield curve presents various challenges for community bankers for revenue generation and risk management. In this article, we will outline the significance of the yield curve shape and what it may portend for community banks. This level of inversion has not happened in the last 30 years.

Community Bank 195

Community Bank Community Risk Management Strategy 195

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

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How To Community Bank Community FDIC 195

South State Correspondent

OCTOBER 10, 2022

However, over the years, there has been considerable debate at community banks on how to implement the principles of FTP to various balance sheet accounts like loans and deposits. In this blog, we would like to explain the building blocks of FTP and how FTP can help community banks price loans and think about effective profit allocation.

Community Bank 195

Community Bank Community Examples Management 195

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

Abrigo

APRIL 22, 2024

Small business lending is also a prominent line of business for many financial institutions, especially those driven by a mission to help their communities thrive. While small business loans inherently benefit business owners, they also benefit communities, according to 2021 research for the SBA. Louis Fed : [S]mall-business loans—i.e.,

Lending 243

Lending St. Louis Community Marketing 243

Abrigo

MAY 22, 2024

Small business lending is also a prominent line of business for many financial institutions, especially those driven by a mission to help their communities thrive. While small business loans inherently benefit business owners, they also benefit communities, according to 2021 research for the SBA. Louis Fed : [S]mall-business loans—i.e.,

Lending 195

Lending St. Louis Community Marketing 195

Abrigo

APRIL 7, 2023

If the system is not efficient and manual data entry contributes to increased risk, a greater headcount is not the solution. The benefits of a user community Businesses always pursue growth and improvement. Improving systems is about leveraging your financial institution's processes to get the most out of its personnel.

Software 195

Software Lending System Risk Management 195

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report 195

Report Risk Management Capital Data 195

Abrigo

MARCH 6, 2017

The ABA has a new report out on how banks are using social media, and much of the report focuses on using Twitter, Facebook, LinkedIn and the like to boost customer service, make connections in the community and recruit staff. 14) @News_CUInsight – CUInsight is an independent source of news on the credit union community.

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social media Lending Community Community Bank 150

Abrigo

NOVEMBER 22, 2019

The economic environment and industry challenges facing community financial institutions mean that managing risk and driving growth are imperative for banks and credit unions, industry experts say. Credit Analysis Training. Credit Risk Management. Lending & Credit Risk. Credit Risk Management.

Risk Management 195

Risk Management Lending Management Training 195

Abrigo

MARCH 17, 2022

However, community financial institutions can incorporate the new scenarios for their own stress tests to help determine how their capital levels will fare in severe economic situations. Prudent stress testing as a risk management tool helps the enterprise see where the potential pitfalls are in their plans. Relevant Loss Rates.

Capital 195

Capital Regulation Risk Management Community 195

Abrigo

MARCH 23, 2015

It is only natural for community banks to have loan concentrations that result from the market(s) they serve and the markets they pursue. In today’s times, a high commercial real estate (CRE) concentration is often the result of community banks pursuing opportunity in the market. Blog Bank Credit Union'

Community Bank 150

Community Bank Risk Management Community Analysis 150

Abrigo

NOVEMBER 11, 2019

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. Community financial institutions are familiar with utilizing their asset/liability management solutions to limit the risk of rising interest rates.

Management 150

Management FDIC Community Risk Management 150

Abrigo

DECEMBER 31, 2019

Key Takeaways The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2019. The top lending and credit blog posts focused on improving loan pricing, creating a better experience for borrowers, and developing risk ratings. Top blog posts reflect bank, CU priorities.

Lending 150

Lending Community Bank Software System 150

Abrigo

MARCH 6, 2015

While federal regulators only require this small number of banks to be subject to these particular stress tests, as outlined in the Dodd-Frank Act following the economic crisis of 2008, stress testing is becoming a critical part of financial institutions’ risk management strategies, regardless of their asset sizes.

Risk Management 150

Risk Management Capital Community Bank Regulation 150

South State Correspondent

APRIL 3, 2023

Banks often conduct a decay analysis to validate deposit assumptions. Utilizing this straightforward linear regression and decay analysis, you get something close to the profile below for the average community bank in the U.S.: This is a bank’s deposit beta. This reduces the duration of these non-maturity deposits.

social media 195

social media Community Bank Analysis Training 195

Abrigo

DECEMBER 9, 2014

Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. In order to grow significantly, however, a bank may choose to expand its reach into businesses and neighborhoods outside the community - their “comfort zone.”

Training 170

Training Policies Analysis Community Bank 170

Abrigo

AUGUST 26, 2024

Understanding factors that generate uncertainty in the allowance estimate is crucial for assessing CECL model risk. Has a loss driver analysis been completed? This is part of ensuring the model is working as intended. Questions to consider include: Where are the sources of estimation uncertainty?

Compliance 195

Compliance Management Regulation Data 195

Abrigo

APRIL 25, 2024

Generally, small business loans benefit business owners, they also benefit communities, according to 2021 research for the SBA. At the same time, 59% pursued credit to meet operating expenses. A majority of applicants sought less than $100,000. 1 appeared first on Abrigo.

Lending 221

Lending Trends Capital Strategy 221

Abrigo

SEPTEMBER 15, 2022

The paper, “ Bank Monitoring with On-Site Inspections," will be presented later this month at the Community Banking in the 21st Century Research and Policy Conference. The research report is timely, considering supply-chain issues that have increased the risk of defaults on some construction loans. Stay up to date on credit risk.

Study 195

Study FDIC Lending Risk Management 195

Abrigo

FEBRUARY 23, 2022

Life-of-loan digitalization also makes it easier for high-salaried lending and credit professionals to focus on loans that require more intense analysis. Portfolio Risk & CECL. Jump-Start Digital Transformation with Change Management. Credit Analysis Training. Credit Risk Management. According to a J.D

How To 195

How To Lending Software Survey 195

Abrigo

AUGUST 5, 2020

Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. The first area Wear recommends bolstering is credit memo content and analysis. To provide better analysis in the credit memo, financial institutions should focus on the “why.”

Management 195

Management Risk Management Trends Industry 195

Abrigo

DECEMBER 4, 2015

Sageworks banking industry experts are winding down a busy year of disseminating information and facilitating discussions on regulatory changes, such as the FASB’s upcoming move to the current expected credit loss model (CECL), and on best practices for portfolio risk management and credit analysis.

North Carolina 150

North Carolina Ohio DC Regional 150

Abrigo

DECEMBER 2, 2021

Learn how a core deposit analysis helped improve this institution's forecasts. Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. Credit Risk Management. Lending & Credit Risk.

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Conference San Antonio Lending Fraud 195