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

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 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.

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North Carolina Ohio DC Regional 150

PYMNTS

APRIL 16, 2019

Elsewhere, Federal Reserve Governor Michelle Bowman said last week, as reported in ABA Banking Journal , that outsourced risk management guidance may need to be reworked, as complex regulations have been hindering community banks’ efforts to embrace innovation.

Fintech 211

Fintech San Francisco National Innovation 211

Abrigo

NOVEMBER 8, 2019

Stress Testing | 7 minute read Key Takeaways Stress testing is an important component of sound risk management. Effective stress testing can benefit many different facets of lending, from risk management and strategic decision-making to capital adequacy and liquidity management. Stress testing and risk management.

Lending 150

Lending Risk Management Analysis Capital 150

Abrigo

JUNE 4, 2024

You might also like this on-demand webinar, "Navigating uncertain times: Strategies for risk management and compliance." Takeaway 3 Attracting new and younger customers is a top priority for community financial institutions. Managing this expectation while ensuring liquidity is a significant challenge."

Compliance 222

Compliance Community Community Bank Conference 222

Jack Henry

MAY 18, 2021

Through it all, community banks and credit unions proved that they were up to the task. Having entered the event on much stronger financial footing than the great recession, these institutions met the challenge to respond by helping deliver key aid through the Paycheck Protection Program (PPP) and loan forbearance measures.

Risk Management 78

Risk Management Strategy Management Community Bank 78

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.

social media 150

social media Lending Community Community Bank 150

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

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

Independent Banker

OCTOBER 1, 2022

We explore how it can protect banks against financial losses and provide resources in the event of a cyber attack. AmTrust recently worked with one community bank client that was the target of a ransomware attack that shut down its branches for two weeks. Cyber events typically are not covered in general liability insurance policies.

Montana 152

Montana Policies Resources FDIC 152

Abrigo

MAY 5, 2022

Podcasts for Bank & Credit Union Execs & Staff Are Plentiful; Here Are 10 Good Ones These banking podcasts discuss current events, strategic and policy issues, competition, digitalization advice, and more. Main Street Banking: A Podcast for Community Bankers 8. And all release a new episode at least monthly. NextGen Banker 10.

Community 195

Community Lending Maine Resources 195

Abrigo

OCTOBER 20, 2020

From economic forecasts to company culture, there were important takeaways for all community financial institutions. . Millennium Bank, like many community financial institutions, is heavily concentrated in commercial real estate (CRE). Drive Growth. Understanding the current state of banking and future expectations.

Management 195

Management Lending Community Strategy 195

Abrigo

SEPTEMBER 10, 2021

T he events that unfolded in that bright blue sky on September 11, 2001 will stay with Americans forever. See Part I: Implications for Community Financial Institutions. The importantance of the BSA tole came to be paramount to the entrie risk management program and included as part of the federal safety and soundness examinations.

Training 195

Training Risk Management Pennsylvania Resources 195

South State Correspondent

OCTOBER 26, 2023

Money 20/20 cocktail parties started at noon, and events from sponsored race car driving to helicopter tours were common. JP Morgan took over the centrally located Delmonico’s steakhouse for the entire event, which must have been a seven-figure investment.

Conference 221

Conference Las Vegas Fraud Data 221

Abrigo

JULY 27, 2023

Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech in banking and finance. Consider what compliance and risk functions your organization would use as a starting point when integrating technology.

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

JULY 27, 2023

Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech for banks to enhance their processes. Consider what compliance and risk functions your organization would use as a starting point when integrating technology.

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

DECEMBER 2, 2021

Takeaway 2 Excess budget funds can also be used to help mitigate risk in areas such as the BSA department or loan review. Takeaway 3 Signing up for 2022 conferences is another smart use of surplus budget funds, because some events are offering early-bird discounts. Credit Risk Management. Lending & Credit Risk.

Conference 195

Conference San Antonio Lending Fraud 195

Independent Banker

MAY 31, 2021

When I transitioned from a community bank CEO to ICBA president and CEO, my team gave me a beautiful handmade card with notes and best wishes. In this time of change, foundational risk and compliance knowledge will anchor your bank as you navigate new developments. icba.org/events. But it wasn’t all smooth sailing.

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Course Community Bank Community Compliance 104

Abrigo

OCTOBER 28, 2020

A storm of events that have defined 2020 leaves many community financial institutions today in the position where balance sheets are awash with liquidity and competitive markets are squeezing rates on good quality loans to lower-than- comfortable levels. Credit Risk Management. Lending & Credit Risk.

Lending 195

Lending Risk Management Management Community 195

Abrigo

NOVEMBER 17, 2023

The Federal Bureau of Investigations (FBI) reports that natural disaster has historically brought fraudsters out of the woodwork, pouncing on a pool of vulnerable victims: the more catastrophic the event, the more active the fraudsters. Regulatory risk Regulatory risk is yet another significant concern.

Fraud 195

Fraud Training Trends Compliance 195

PYMNTS

MAY 22, 2019

The press release also pointed to March 2017 research that revealed 82 percent of business failures can be attributed to poor cash flow management skills, or a poor understanding of how to manage cash flow. Small business clients of the SBDC can be connected to a six-month subscription of CashFlowTool to manage and forecast cash flows.

Resources 100

Resources Analytics Management Risk Management 100

Abrigo

FEBRUARY 8, 2024

Effective fraud risk management includes detection and fraud monitoring that should consider customer or member history and behavior. Some options include: In-person fraud prevention seminars, either held at a branch location or a local community center. Website pop-ups and fraud-warning messaging embedded in transactions.

Fraud 195

Fraud Resources social media Software 195

Abrigo

OCTOBER 23, 2015

Behringer, McGladrey’s national leader for credit risk services. Portfolio stress tests can provide a number of benefits beyond compliance with regulatory expectations, Behringer said recently at the 2015 Risk Management Summit hosted by Sageworks. Stress testing can help identify the risks related to a changing environment.

Capital 150

Capital Analysis Examples Risk Management 150

PYMNTS

MAY 2, 2016

In his position as Vice President of Global Risk Management for TNS , Umer Ayub understands this reality firsthand. My global risk management team and I support all of TNS’ business divisions globally, which ensures a diverse set of responsibilities and a varied working day.

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Risk Management Compliance Management Meeting 100

Abrigo

JUNE 28, 2023

Takeaway 3 Recommended reports on AML and fraud metrics for the board include those on high-risk customers and trends on types of fraud and suspicious activity seen. They wear many hats, especially in smaller community banks and credit unions. Share those types of events as well. Share that with the board too.

Compliance 195

Compliance Fraud Report Trends 195

FICO

APRIL 10, 2019

As companies learn their FICO Cyber Risk Score, it raises the question: What are our recommendations for cyber risk management? Managing cyber risk is about managing behavioral risk and skills gaps, as well as technical flaws. workstations, servers, laptops) compromise.

Risk Management 40

Risk Management Management Security Guidelines 40

Independent Banker

OCTOBER 14, 2014

According to a statistic released as part of the ICBA 2014 Top 50 Community Bank Leaders in Social Media, nearly 2,500 banks have a Facebook or Twitter presence, and the numbers continue to exponentially grow. It is apparent everywhere you turn that social media is one of the hottest new communications tools in our society.

social media 88

social media Risk Management Compliance Community Bank 88

Abrigo

SEPTEMBER 5, 2023

For example, the lack of guarantee may not cause a charge-off, but it limits options in the event of a workout. This is a legitimate risk factor justifying the existence of the exception. You need to examine the true root cause for the exception and if that cannot be ascertained, it needs to be eliminated.

Policies 195

Policies Lending Risk Management Examples 195

Abrigo

APRIL 15, 2022

As is the case with effectively managing interest rate risk , managers need to understand their cash flows in and out of the institution to effectively manage liquidity and meet all regulatory requirements. What events could jeopardize our operational liquidity? What is our response if we see problems coming?

Management 195

Management Meeting Risk Management Operations 195

South State Correspondent

MARCH 15, 2023

While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. While interest rate risk caused the most significant impact on value, several other factors contributed to the terminality of each bank that was closed.

social media 195

social media FDIC Branding Management 195

South State Correspondent

JANUARY 4, 2023

Bankers have never seen this confluence of events, and as a result, it is creating new challenges. For 2023, banks need to prioritize interest rate risk management and credit accuracy as a top priority. As a result, national banks are eroding the customer base of the community bank. Develop a more innovative process.

Community Bank 195

Community Bank Capital Marketing Lending 195

Independent Banker

APRIL 30, 2022

During the pandemic, many community banks needed to change how they operated. For this and other reasons, now is a good time to review and refresh articles, bylaws and committee charters to ensure resilience and bolster risk management. But if they see it as a risk management tool, it’s a game changer.

Oregon 91

Oregon Community Bank Community Meeting 91

Gonzobanker

JULY 10, 2020

Community-based institutions have unique circumstances (and personal viewpoints) that impact how they see the world in the future and what planning will look like for them. Conduct event-driven scenario planning based on multiple scenarios. Risk Management. Be hyper-sensitive to your community.

Risk Management 88

Risk Management Capital Strategy social media 88

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. We are in awe. Seriously in awe.

Fintech 191

Fintech Community Regional Technology 191

Abrigo

JULY 30, 2015

In addition, institutions – especially community banks -- have operational concerns, McNairy added. “Do While many community banks lack the same systems and data processing staff that bigger banks may already have in place to capture this kind of data, these smaller institutions can be taking steps right now to gather it, McNairy said.

Data 150

Data Capital Community Bank Compliance 150