Abrigo

FEBRUARY 25, 2025

Manual loan processing: Costly in several ways During a recent Abrigo webinar , more than a quarter (28%) of respondents answering a poll question said their institution handles all loan types the same without automation. But these businessesoften the backbone of their communitiesdepend on access to capital.

Lending 195

Lending FDIC Policies Analysis 195

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." Cultivate talent. keep me informed.

Risk Management 195

Risk Management Management Policies Lending 195

Abrigo

AUGUST 1, 2022

What are model risk management and model validation? Model risk management (MRM) is a framework of systemic oversight of the models a financial institution or organization relies on for financial reporting, decision-making, and other critical purposes. Model governance overview. Federal guidance. Validation teams.

Risk Management 195

Risk Management Management Regulation Analysis 195

Abrigo

FEBRUARY 6, 2025

Meeting investment accounting and reporting requirements The right technology tools can help institutions manage investment accounting compliance and risk exposure across various investment types. Investment accounting compliance not only minimizes operational risks but also reduces regulatory scrutiny. banking regulations.

Compliance 195

Compliance Technology Operations Risk Management 195

Abrigo

AUGUST 16, 2016

In early June, Sageworks hosted a Current Expected Credit Loss (CECL) Workshop Series webinar and asked the attendees “Given what we know about CECL, what area do you feel will see the largest impact?” For more information or to register, visit the Risk Management Summit webpage.

Risk Management 150

Risk Management Management Analysis Analytics 150

Abrigo

JULY 25, 2017

In a recent Sageworks webinar Robert Ashbaugh, senior risk management consultant at Sageworks, discusses High Volatility Commercial Real Estate (HVCRE) lending best practices. These caps were 100% of capital for construction loans, and 300% for all investor CRE. How did we get here? What are HVCRE loans?

Risk Management 150

Risk Management Management Capital Lending 150

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

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

SEPTEMBER 23, 2014

As banks are increasingly playing a bigger role in commercial real estate lending, it is more important than ever to ensure proper risk management practices. Due to the volatility of CRE concentrations at banks, regulators have released supervisory guidance to ensure sound risk management practices.

Lending 261

Lending Management Risk Management How To 261

Abrigo

MAY 14, 2021

Align inputs, outputs, and teams for risk optimization. How can financial risk models within the bank or credit union benefit from using the same sheet music? Check out this webinar on Enterprise Risk Management. Takeaway 3 Growth in a recovery economy requires understanding risk and return across the portfolio.

Management 195

Management Risk Management Lending System 195

Abrigo

JANUARY 17, 2025

As a result, lower CDI values may lessen the financial burden for acquirers, improving their capital efficiency. Learn targeted deposit-gathering strategies to help increase your current deposit base watch webinar Why are core deposit intangibles important? This could reduce the intangible value of deposit-related assets.

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

MARCH 16, 2016

(ET) Risk ratings are the basis for understanding credit risk in the portfolio, yet many institutions struggle to maintain and apply an objective risk rating system. Accurate risk ratings allow institutions to better price loans and account for risk in the overall portfolio. Sign up for the webinar.

Risk Management 150

Risk Management How To Capital Management 150

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

DECEMBER 22, 2023

The most-read portfolio risk blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool."

Risk Management 221

Risk Management Regulation Management Lending 221

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. You might also like this upcoming webinar, "Relationship banking: 7 Keys to extraordinary results." However, with opportunities come inherent risks.

Lending 221

Lending How To Risk Management Policies 221

Abrigo

SEPTEMBER 13, 2021

You might also like this webinar: "The Basics of Consumer Lending." Takeaway 3 The future looks brighter, as financial institutions have cash and capital, and opportunities are starting to unfold. Cash and capital as opportunities unfold. Financial institutions have cash and capital, and opportunities are beginning to unfold. ".

FDIC 195

FDIC Lending Capital Trends 195

Abrigo

AUGUST 2, 2023

CRE credit risk is in the spotlight A structured approach to assessing commercial real estate risk helps banks and credit unions address inquiries about the health of CRE loans. You might also like this on-demand webinar, "Stress testing & CECL efficiencies." Stress testing helps you manage capital levels and credit risk.

Report 195

Report Risk Management Lending Analysis 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. 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

MARCH 3, 2021

For more information on the basics of credit analysis, check out this webinar: WATCH NOW. Takeaway 1 Understanding credit risk and assigning risk to loans is the foundation of credit analysis. . At the core of credit analysis are the traditional five Cs of credit: capacity, capital, conditions, collateral, and character.

Analysis 195

Analysis Risk Management Lending Training 195

Abrigo

MARCH 31, 2023

NCUA expectations for credit unions post-CECL adoption The NCUA's focus on risk, especially credit risk, has implications for credit unions instituting CECL this quarter. Liquidity risk: Examiners will be focused on the credit union’s liquidity risk management framework relative to the credit union’s risk profile.

Risk Management 195

Risk Management Policies Capital Maine 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.

Lending 221

Lending Risk Management Community Management 221

Abrigo

FEBRUARY 16, 2024

You might also like these on-demand webinars tackling common credit risk questions. Takeaway 2 With proper planning and effective strategies, the scheduling process can be made more manageable at your financial institution. Focus on addressing the most critical issues and limit the number of exceptions to a manageable level.

Training 195

Training Risk Management Analysis Policies 195

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

Abrigo

JUNE 11, 2021

Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness. Would you like other articles on asset/liability management in your inbox? FDIC) noted in its 2021 Risk Review. You might also like this webinar on liquidity risk.

How To 195

How To Risk Management Analysis Kansas City 195

Abrigo

OCTOBER 6, 2017

During a Sageworks webinar on HVCRE risk management Rob Ashbaugh, senior risk management consultant at Sageworks, explained that clarifications on some of the murkier aspects of the HVCRE (high volatility commercial real estate) rule were anticipated by the industry.

Regulation 150

Regulation Risk Management Community Bank Community 150

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." Watch webinar. Inflation, interest rates, hedging.

Management 195

Management Risk Management Policies 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. Watch this webinar for tips to maintain an efficient credit process at banks and credit unions.

Lending 195

Lending Risk Management Management Capital 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

JUNE 7, 2021

Takeaway 1 The pandemic has shown that financial institutions deal with a variety of risks that can impact cash flow and capital. . Takeaway 2 Using the same credit risk assumptions in ALM and the allowance ensures a consistent enterprise approach to risk. Which risks does ALM address? recovery to date.

Management 195

Management Risk Management Capital Regulation 195

Abrigo

FEBRUARY 12, 2020

The main drivers of expected CRE growth in 2020 are: Low interest rates Continued job growth and low unemployment Moderate consumer spending growth Abundant capital and return-seeking investors/lenders, and Increased property values (albeit slowing in appreciation). “2020 could be a pivotal year for the U.S. Lending & Credit Risk.

Lending 195

Lending Trends FDIC Survey 195

Abrigo

MARCH 17, 2022

Takeaway 3 Using stress testing scenarios helps banks and credit unions determine whether estimated loss rates will push projected capital levels below regulatory thresholds. Regardless of regulatory pressure, measuring and managing key risks are the cornerstone of community financial institutions’ enterprise risk management (ERM) programs.

Capital 195

Capital Regulation Risk Management Community 195

Abrigo

JANUARY 12, 2016

But avoiding regulators’ inquisition isn’t the only reason that banks and credit unions should review their risk rating systems. Here are four more reasons recently discussed during a Sageworks webinar. The risk rating determines the credit approval process and pricing for the loan.

System 150

System Risk Management Management Exercises 150

Abrigo

APRIL 1, 2016

During a recent Sageworks webinar, The Real Price of Risk , attendees were asked to describe their current loan pricing strategy/model and how it is applied. Higher loan prices allow the bank to put more money into ALLL and augment capital to support risks being taken.

Risk Management 150

Risk Management Maine Strategy Capital 150

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

MAY 19, 2023

You might also like this webinar, "Return to basics: Asking the right credit risk questions." Use this matrix to help you focus on what you think junior and senior loan reviewer training ought to include: Learn more helpful information in this on-demand webinar, "Create and maintain a successful loan review function."

Training 195

Training Lending Risk Management Guidelines 195