South State Correspondent

MARCH 24, 2025

In this challenging environment, bankers have an unparalleled opportunity to step forward as trusted advisors, providing valuable guidance, innovative financial structures, and prudent risk management to support both their bank and commercial customers.

Risk Management 195

Risk Management Resources Management Marketing 195

Abrigo

MARCH 21, 2023

WATCH Takeaway 1 Earning more income and mitigating interest rate risk isn’t as simple as charging higher rates on loans and earning higher rates on the investment portfolio. 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.

Risk Management 195

Risk Management Management Strategy Lending 195

Abrigo

JUNE 23, 2017

The desire to avoid examiner scrutiny may tempt some financial institutions to set the bar high when it comes to credit and liquidity risk management policy limits, but regulators are discouraging this approach. Do established policy limits reflect true risk tolerance?

Policies 150

Policies Risk Management Survey Management 150

PYMNTS

OCTOBER 19, 2020

Other benefits, the release says, include extended pre-approvals for card spend, better security when paying with virtual card technology and using the card payment cycle to better management working capital for buyers. Now, every transactional step in the business spend management process can be done smarter and simpler.".

Cards 319

Cards Risk Management Tools Policies 319

BankUnderground

DECEMBER 4, 2024

Potential deficiencies in the current margining system, and the inability of risk management infrastructure to keep pace with new market developments. Additionally, risk management infrastructures are generally designed around the daily margining process, raising concerns about insufficient intraday risk management.

Marketing 124

Marketing Risk Management Retail Capital 124

Abrigo

FEBRUARY 6, 2024

Takeaway 3 The specific policy areas outlined below should be carefully considered by credit unions engaged in member business lending. In this blog post, we will delve into the strategies and policies credit unions can adopt to ensure the success and profitability of their MBL programs. Takeaway 2 Start slow.

Lending 221

Lending How To Risk Management Policies 221

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. Image credit: Benjamin Child via Unsplash.

FDIC 186

FDIC Risk Management Analysis Lending 186

Abrigo

JANUARY 17, 2025

As a result, lower CDI values may lessen the financial burden for acquirers, improving their capital efficiency. By valuing and managing CDIs effectively, banks can optimize their funding strategies, demonstrate their stability to stakeholders, and position themselves for sustained growth.

Strategy 195

Strategy Guidelines Management Operations 195

Abrigo

NOVEMBER 12, 2023

Support credit risk management Understanding loan covenants, when financial institutions should use them, and how to monitor them supports strong lending portfolios and credit risk management best practices. Takeaway 2 Capital, performance, and administrative covenants are common with business loans.

Risk Management 221

Risk Management Lending Policies Management 221

Abrigo

DECEMBER 28, 2023

Top banking risk management papers and infographics Abrigo experts' insights on deposit pricing, stress testing, loan review, and CECL were popular with banking risk professionals. You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool." Here are the top resources.

Resources 221

Resources Risk Management eBook Strategy 221

Abrigo

MAY 2, 2024

DOWNLOAD Takeaway 1 Your loan policy sets the tone for the institution's approach to risk appetite, risk tolerance, lending philosophy, and organization of the lending function. Policies and procedures Importance of loan policy When it comes to small business lending, the importance of a bank's loan policy cannot be overstated.

Lending 221

Lending Strategy Analysis Policies 221

Abrigo

OCTOBER 28, 2022

Managing loan workouts and modifications Tips for preparing your bank or credit union to handle an increased volume of problem loans while ensuring prudent credit risk management. You might also like this video, "A look at credit risk in a rising-rate environment." Signs of increased activity ahead. Watch webinar.

Management 195

Management Risk Management Policies Lending 195

Abrigo

MARCH 31, 2023

Risk focus Three main areas of risk from the NCUA letter The NCUA supervisory priorities emphasized the following regarding increased risk: Interest rate risk (IRR): Examiners will focus on key interest rate risk management and control activities, including reasonable and well-documented assumptions and data sets.

Risk Management 195

Risk Management Policies Capital Maine 195

Abrigo

FEBRUARY 16, 2024

Takeaway 2 With proper planning and effective strategies, the scheduling process can be made more manageable at your financial institution. Takeaway 3 Credit analysts need training to understand the working capital cycle, look for hidden risks, and be aware of accounting changes.

Training 195

Training Risk Management Analysis Policies 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

Abrigo

AUGUST 30, 2024

Prepare now for potential changes to FHLBs Capital rules and membership criteria are among the areas where banks could see changes in how the Federal Home Loan Bank system operates. You might also like these popular resources on interest rate risk, liquidity, and CECL.

San Francisco 195

San Francisco Risk Management New York Capital 195

South State Correspondent

APRIL 4, 2024

Because secular changes occur over decades, many management teams miss the telltale signs of significant secular disruptions—think of a frog boiling slowly in a pot, not appreciating the changes in the water temperature over a longer period. With time, these changes will only amplify.

Risk Management 195

Risk Management Community Bank Policies Community 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

DECEMBER 22, 2023

Read this blog for construction delinquency statistics that can help your financial institution better plan and manage their construction loan portfolios. The institution can more easily capitalize on opportunities and avoid unnecessary risk. Reduce operating cost while ensuring loan policy consistency.

Lending 221

Lending Risk Management Community Management 221

Abrigo

APRIL 25, 2024

The negative correlation of funded business loans to the Fed funds rate is a staggering 86% as businesses weigh their needs for capital against expensive debt and lenders aim to limit risk. Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets.

Lending 221

Lending Trends Capital Strategy 221

Abrigo

APRIL 12, 2016

“Prudent oversight is rooted in the directors sending a clear message to staff that they value a strong risk management culture that includes a strong ethical culture,” the FDIC said. Risk management culture What exactly is a risk management culture? Evaluating risk management.

Management 150

Management FDIC Risk Management Community Bank 150

CFPB Monitor

DECEMBER 20, 2021

On December 16, 2021, the Office of the Comptroller of the Currency (“OCC”) released draft principles for climate-related financial risk management for large banks. Transition risks are those caused by shifts in policy, consumer and business sentiment, and technologies in conjunction with necessary measures to limit climate change.

Risk Management 78

Risk Management Management Policies Operations 78

Abrigo

SEPTEMBER 26, 2014

Earlier this month, as Congress came back in session, the political news site TheHill.com covered the issue of pending policies on CUs, with an op-ed titled, “ Congress: ‘Measure twice, cut once’ on proposed risk-based capital rule.” This could mean significant increases in capital for many credit unions.

Capital 191

Capital National Regulation Risk Management 191

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. You might also like this webinar series, "Tackling common credit risk questions during challenging times." Get more credit risk best practices.

Analysis 195

Analysis Industry Risk Management Lending 195

Abrigo

JULY 20, 2024

Takeaway 3 To fully capitalize on the forthcoming C&I wave, institutions need the right products, systems, people, and technology. Credit risk : In C&I lending, at least part of the collateral is intangible. Lending practices, loan policies , and procedures must be developed to monitor and stay on top of risk.

Lending 195

Lending Risk Management Management Capital 195

PYMNTS

NOVEMBER 24, 2020

InsurTech group Hippo Enterprises has announced a capital investment of $350 million from Mitsui Sumitomo Insurance Company , a press release says. homeowners population in the next year, as well as providing additional capital for its insurance and reinsurance companies,” the release says.

Risk Management 174

Risk Management Capital Online Groups 174

Abrigo

MAY 17, 2017

The importance of a sound risk rating process continues and possibly grows in the coming years as financial institutions grapple with the increased emphasis on estimating credit losses. Only then can banks determine how much capital should be applied to that risk.

Risk Management 170

Risk Management Analysis Examples Capital 170

Abrigo

AUGUST 8, 2021

Takeaway 1 A system for ongoing, independent credit risk review will not look the same from institution to institution. Takeaway 2 However, a loan review or credit risk review program should accomplish several key objectives. A written credit risk review policy is key. What is a credit risk review policy?

System 195

System Lending Policies Regulation 195

Abrigo

MARCH 3, 2021

At the core of credit analysis are the traditional five Cs of credit: capacity, capital, conditions, collateral, and character. The other elements include: Capital: Simply put, capital often refers to a down payment, or the amount of money a borrower can put toward the loan. Credit Risk Management. Learn More.

Analysis 195

Analysis Risk Management Lending Training 195

Abrigo

JUNE 17, 2015

As a result, borrowers are encouraged, in the OCC document, to implement risk management practices that reduce their exposure to these risks, including diversification strategies, operations integration, hedging, contracting strategies and/or purchasing insurance.

How To 150

How To Kansas City Lending Analysis 150

Abrigo

MARCH 23, 2015

Consequently, interagency guidance on CRE concentration risk management , released in 2006, helps institutions pursue CRE lending with safety and soundness. There are certainly other metrics that could be used to create such standards, and each institution can review policies to determine the best fit. “By

Community Bank 150

Community Bank Risk Management Community Analysis 150

TrustBank

FEBRUARY 22, 2021

Therefore, our capital market assumptions are based on expectations for average returns over the next 10 years. While the current boost from monetary and fiscal policy to deal with this pandemic should provide a tail wind for stock and bond valuations, we can’t expect it to last forever. annualized over the next 10 years.

Capital 90

Capital Marketing Washington Trends 90

Abrigo

AUGUST 5, 2020

Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Loan grading is a connector between credit policy and behavior. By managing risk effectively and efficiently, financial institutions can also help their bank or credit union grow.

Management 195

Management Risk Management Trends Industry 195

Celent Banking

JANUARY 19, 2016

Many large financial institutions spent in excess of $25 million on rolling out failed enterprise risk management frameworks during the 2000’s. Well for many obvious reasons, the most notable of which has been the large scale failure of institutions to manage their risks and the well-editorialized consequences of those failures.

Risk Management 100

Risk Management Management Regulation Policies 100

Abrigo

MAY 19, 2023

The scope and depth of loan review Loan review requires a "renaissance banker" Loan review policies are typically reviewed and approved at least annually by the board of directors. Policy guidelines usually include a written description of the overall credit grading process and establish responsibilities for the various loan review functions.

Training 195

Training Lending Risk Management Guidelines 195

BankUnderground

JANUARY 12, 2023

What financial stability risks do high inflation and increasing interest rates pose? Maintaining financial stability means looking out for low probability high-impact events like financial crises and devising policies to prevent and mitigate these ‘tail’ risks from materialising.

Policies 137

Policies Capital Exercises Lending 137

Abrigo

JANUARY 11, 2022

Takeaway 1 ALM in banking means managing the cash flows of assets and liabilities to increase profitability, manage risk, and maintain safety and soundness. . Takeaway 3 Some institutions use a management approach to ALM to assess risk/return trade-offs and make decisions that benefit them in the short and long term. .

Management 195

Management Meeting Capital Strategy 195