Abrigo

MARCH 3, 2021

The basics of commercial credit analysis Learn the foundations of credit analysis, including key data analysis strategies and best practices. . For more information on the basics of credit analysis, check out this webinar: WATCH NOW. Avoid common missteps in commercial credit analysis. Setting the foundation.

Analysis 195

Analysis Risk Management Lending Training 195

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

South State Correspondent

JULY 15, 2024

We conducted a loan performance analysis for over 5,000 individual hedged commercial loans originated by almost 400 community and regional banks across the country. Our analysis demonstrates that loan-level hedging has offered community banks a strong competitive advantage in the current interest rate environment and competitive landscape.

Community Bank 195

Community Bank Analysis Community Training 195

PYMNTS

NOVEMBER 16, 2020

In the wake of the 2008 global financial crisis, and banks' subsequent pullback from the small- to medium-sized business ( SMB ) lending arena, a slew of alternative lenders emerged onto the scene to fill the credit gap. What's just as important is to ensure that lending technology is flexible.

Lending 289

Lending Technology Capital Meeting 289

Abrigo

APRIL 25, 2024

Recent data and trends of the small business lending market SMB Lending Insights is a snapshot of current financial trends and metrics that impact small and medium-sized business (SMB) lending and financial institutions. You might also like this guide for smarter, faster small business lending.

Lending 221

Lending Trends Capital Strategy 221

Abrigo

FEBRUARY 27, 2020

Key Takeaways Financial institutions who want to maintain a healthy share of business lending this year and through potentially tougher economic times ahead want to be in the best position possible before trouble hits. Abrigo's Business Lending Readiness Survey found many processes stymie those efforts. learn more.

Lending 243

Lending Survey Data System 243

Abrigo

FEBRUARY 12, 2025

Understand and meet borrower expectations For community financial institutions (CFIs), small business lending presents both a challenge and an opportunity. Understanding what small businesses need from a lending partner is the first step in improving loan decisioning. According to Kirby, speed is the top priority.

Lending 195

Lending Risk Management Community Fintech 195

Abrigo

DECEMBER 29, 2023

Abrigo's most popular whitepapers and checklists on lending and credit risk Abrigo experts' insights on CFPB 1071, loan policies, and risk ratings were popular with banking professionals. Watch NOW Takeaway 1 Abrigo's experts produced many pieces on lending and credit risk to provide strategies and tools to help banking professionals.

Resources 221

Resources Lending Risk Management Policies 221

Abrigo

APRIL 11, 2025

For example, if cattle lending occurs across four markets, reviewing it holistically requires manual effort just to piece together a universe from which to draw a sample. For the first time, we could evaluate lending segments independently of the bank's organization. Adapt your credit analysis processes to address economic volatility.

Tools 195

Tools Lending Data Risk Management 195

Abrigo

FEBRUARY 6, 2024

Develop an MBL program while mitigating risk Credit unions looking for alternate paths to growth in today's rising rate environment may be primed to leverage member business lending. Takeaway 3 The specific policy areas outlined below should be carefully considered by credit unions engaged in member business lending.

Lending 221

Lending How To Risk Management Policies 221

Abrigo

AUGUST 10, 2023

Probability of Default/Loss Given Default analysis is a method used by generally larger institutions to calculate expected loss. PD is typically calculated by running a migration analysis of similarly rated loans, over a prescribed time frame, and measuring the percentage of loans that default.

Analysis 195

Analysis Industry Maine Software 195

Abrigo

AUGUST 28, 2022

Develop better ag lending workflows before demand picks up. A better ag lending process makes applying smoother for borrowers and can allow efficient ag loan growth without adding a lot of staff. Takeaway 1 Now is the time to plant the seeds for harvesting growth in the ag loan portfolio by creating a better ag lending process.

Lending 195

Lending System Analysis Data 195

Abrigo

FEBRUARY 23, 2022

Loan Decisioning Allows Small Business Lending to Grow Community financial institutions can leverage automated loan underwriting to increase small business lending and achieve consistency. . Takeaway 2 Loan decisioning allows institutions to efficiently allocate credit analysts’ time for profitable small business lending.

Lending 195

Lending Community Bank Community Analysis 195

South State Correspondent

SEPTEMBER 4, 2023

In this article, we provide a quantitative analysis to support this conclusion. The table below shows a summary of our analysis (community banks are defined as banks under $10B in assets). The post Loan Performance Analysis – Hedged vs. Unhedged Loans appeared first on SouthState Correspondent Division.

Analysis 195

Analysis Community Bank Community Training 195

Abrigo

JULY 20, 2024

Ready to catch the next wave of lending growth? Commercial and industrial lending (C&I) will be the next big performance driver for banks and credit unions. You might also like this paper on how institutions can produce smarter, faster lending. C&I lending will be the next “bomb.”

Lending 195

Lending Risk Management Management Capital 195

PYMNTS

JUNE 26, 2019

Months after he called out “irrational” student lending that has been impacting the economy through his annual letter, JPMorgan Chase CEO Jamie Dimon noted that U.S. student lending is “hurting America.”

Lending 194

Lending Comparison US United States 194

Abrigo

AUGUST 25, 2021

Takeaway 2 A consumer loan origination system can help FIs offer a fully digital retail lending experience. How can FIs overcome retail lending challenges? In today's competitive – and increasingly digital – consumer lending environment, financial institutions will need to find ways to adapt to changing customer expectations.

Lending 195

Lending System Community Retail 195

Abrigo

JULY 25, 2022

Strong demand is a factor in the ag lending outlook ahead Ag lenders can begin taking steps to ensure they are prepared and can provide positive customer or member experiences. The outlook for ag lending has its share of uncertainty. Inflation, rates are factors in ag lending outlook. Farmers expect worse in 2023. Rising inputs.

Lending 195

Lending Kansas City Kansas Resources 195

Abrigo

FEBRUARY 25, 2022

Personalized Touch with Efficient Service Can Boost Lending Banks and credit unions can boost business lending by combining a relationship focus with transaction-oriented processing. . This competition can only increase as the lending landscape continues to shift.

Lending 195

Lending St. Louis Community Survey 195

Abrigo

MARCH 31, 2025

Lenders and credit analysts must organize into one cohesive credit memo the following: borrower information, financial ratios, any global cash flow analysis, the assigned risk rating, proposed loan pricing, and terms of the proposed loan. The rating for a loan should represent the sum of the earlier information and analysis provided.

Analysis 195

Analysis Risk Management Management Data 195

Abrigo

APRIL 19, 2022

Credit and Lending Software Overcome Common Lending Problems Banks and credit unions that leverage an integrated lending and credit platform reap the benefits of a consistent, efficient and defensible lending program. Lending and Credit Software. Would you like other articles like this in your inbox?

Lending 195

Lending Software Management System 195

Abrigo

FEBRUARY 7, 2023

How construction administration units mitigate construction lending risk Construction lending involves unique risks and requires specialized processes. WATCH Takeaway 1 The OCC recommends that construction lending risk be managed by specialized real estate and construction lenders who report to the credit department.

Lending 195

Lending Management Risk Management Software 195

South State Correspondent

OCTOBER 30, 2024

The Data Around Bank Efficiency To understand our analysis into bank efficiency, we measured the correlation coefficient between the efficiency ratio and ROA for banks between $100mm and $10B in assets at negative 0.74 (one of the highest factors driving community bank performance).

Community Bank 195

Community Bank Community Management Operations 195

South State Correspondent

FEBRUARY 20, 2023

Who the competition is, what the lending competition is offering, their delivery channels, and service levels can help community banks differentiate their services and enhance their competitive advantage. However, community banks largely exclude these big institutions from their SWOT or competitive analysis.

National 195

National Lending How To Community Bank 195

Abrigo

APRIL 12, 2021

What an LOS Is, and How It Benefits CFIs A loan origination system automates and manages the lending process to address common challenges. Takeaway 1 The lending landscape is increasingly competitive and the process is frustrating. The best commercial lending software is an LOS that can handle the entire life-of-loan process.

System 338

System Lending Software Analysis 338

South State Correspondent

DECEMBER 5, 2023

The Concepts Lending Curve: A yield curve shows interest rates associated with different contract lengths for a particular interest rate instrument. While economists may use the shape of the yield curve to gauge future economic strength, bankers should pay particular attention to the lending curve.

Lending 195

Lending Marketing Capital Community Bank 195

Abrigo

APRIL 11, 2025

One example: a $400 million-plus bank serving customers and businesses in western Ohio and through its specialty lines of business nationwide began a project to optimize its use of Abrigos Sageworks lending and credit solutions. Find out how Abrigo helps optimize lending with small business loan origination software.

Technology 195

Technology Software Training Risk Management 195

Gonzobanker

AUGUST 11, 2020

It was into this world that the much celebrated digital lending fintech OnDeck recently sold to Enova for $90 million, a virtual fire sale at way under 1X OnDeck’s revenue. They primarily support – don’t compete with – federally insured bank lending. And pricing is a unique area of analysis where there aren’t dozens of competitors.

Lending 158

Lending Fintech Analytics UX 158

Abrigo

JANUARY 29, 2020

Key Takeaways The FDIC issued an advisory to FIs encouraging safe and sound lending practices in today's ag lending environment. FDIC) issued an advisory to financial institutions encouraging exceptionally safe and sound lending practices in agricultural lending. Learn More.

Lending 195

Lending How To FDIC Survey 195

South State Correspondent

APRIL 8, 2025

Our analysis is demonstrated graphically below and further discussion follows. Despite the arguments of better service, differentiated products, or ability to lend on broader loan categories, the reality is that loans are won from other institutions on pricing or structure (neither a long-term desirable outcome for the winning bank).

Management 195

Management Community Comparison Examples 195

Abrigo

MAY 11, 2021

Takeaway 1 Global cash flow can provide a more holistic lending picture as lending decisions have become more complex. Takeaway 2 Institutions usually leverage global cash flow analysis if a borrower has complex credits. Takeaway 3 Financial institutions should implement these best practices to effectively use CFC analysis.

Analysis 195

Analysis Lending Taxes Comparison 195

PYMNTS

SEPTEMBER 7, 2020

Criticized commercial real estate loans soared by 144 percent, to $26 billion, according to an analysis by the Financial Times. This comes as many hotels have occupancy rates in the single digits, shopping mall traffic remains low and office workers work remotely.

New York City 259

New York City Lending New York Florida 259

Abrigo

DECEMBER 20, 2024

On the lending side, loan rates are expected to follow prime rates down, but the spread over prime may remain higher due to lingering credit risk concerns. Risks in multifamily CRE lending remain elevated, particularly in the luxury segment. The commercial real estate office sector remains stressed.

Management 195

Management Risk Management Trends Lending 195

Gonzobanker

DECEMBER 7, 2023

It’s time for banks and credit unions to finally execute those C&I lending priority initiatives. Senior bank and credit union executives have ranked commercial and industrial (C&I) loans as a top lending priority over the past several years in Cornerstone Advisors’ annual What’s Going On in Banking research.

Lending 146

Lending Analysis Strategy Management 146

Abrigo

SEPTEMBER 21, 2021

As a loan reviewer, you need to be technically sound in order to do your job, which means you need to have a fundamental understanding of financial analysis, tax analysis, and all of the regulatory laws that surround the credits that you’re going to be reviewing,” Cooley says. Credit Analysis Training. Lending & Credit Risk.

Video 195

Video Analysis Risk Management Training 195

Abrigo

MAY 10, 2021

Takeaway 2 Process management features of a loan origination system help manage the workflow, from analysis through closing. Basic functions of a loan origination system When evaluating a loan origination system, lenders are rightly concerned with three major areas: the customer or member experience sound lending practices efficiency.

System 195

System Lending Analysis Software 195

Perficient

FEBRUARY 16, 2021

The Fed’s Comprehensive Capital Analysis and Review (“CCAR”) stress tests are designed to ensure that large banks are able to lend to households and businesses even in a severe recession. In 2020, the Federal Reserve found that large banks were generally well-capitalized under a range of hypothetical events.

Exercises 309

Exercises Capital Analysis Operations 309