Abrigo

JULY 13, 2017

The 2017 Risk Management Summit presented by Sageworks is set for September 25-27th in Denver, CO. The Summit is the industry’s leading life-of-loan conference, spanning loan origination through portfolio risk management in a CECL - current expected credit loss - world. Here are the 2016 Summit Takeaways.

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Risk Management Management Denver Conference 170

Abrigo

NOVEMBER 13, 2024

Bank and credit union leaders can use data to inform small business lending Small businesses are showing resilience. Despite borrowing more and tapping credit lines, they're managing leverage and meeting debt obligations, according to Abrigo's proprietary data. Businesses' working capital cycles are longer. A recent U.S.

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Abrigo

DECEMBER 22, 2023

download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023. Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings.

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Lending Risk Management Community Management 221

Abrigo

AUGUST 6, 2021

How can community financial institutions thrive in 2021? Community banks provide unique and important banking services for their customers, but they also face significant obstacles. Takeaway 1 Community banks play an important role in the economy and their communities, but they face significant obstacles.

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Abrigo

JUNE 8, 2017

To provide bank management and the board with an objective assessment of credit quality and ongoing portfolio management 3. To serve as a critical component of a comprehensive, enterprise-wide, risk management practice 4. The beginning of all risk in the portfolio is with loan origination.

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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.

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Resources Risk Management eBook Strategy 221

Independent Banker

MAY 31, 2022

Community banks have a choice about addressing the problem: Remain vulnerable or be vigilant. Fraud and cybercrimes continue to increase, causing challenges for community banks. But there’s plenty community banks can do to meet this challenge. Fraud and cyber attacks are on the rise, and at great expense to the industry.

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Abrigo

MARCH 13, 2020

Key Takeaways In today's uncertain economic climate, community financial institutions must resolve to manage risk and drive growth. Due to its potential adverse effects and risks to the economy, the Fed issued an emergency 50 bp interest rate cut. The coronavirus has sent shockwaves through the markets around the globe.

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Abrigo

AUGUST 30, 2024

Some stakeholders are advocating for a focus on affordable housing, community development, and supporting underserved communities. Capital rules are also being reassessed for members and the FHLB themselves in an effort to ensure greater financial stability and risk management. Abrigo is here to help.

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Perficient

AUGUST 15, 2024

– These are the exact words (with a couple of expletives, that I cannot quote here) – a senior fund administrator from a large investment firm uttered when we were presenting about environment aware financial risk management. I, for one, listen when this legend speaks. What does it mean? How does it impact me?

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Abrigo

OCTOBER 22, 2024

At Abrigo, we’ve always focused on helping financial institutions thrive—not just for their own benefit but for the sake of the communities they serve. Think about it: when a fraudster targets a small business owner or when an individual’s life savings are wiped out, it doesn’t just hurt the bank—it devastates families and communities.

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Abrigo

DECEMBER 11, 2014

In September, the Office of the Comptroller of the Currency (OCC) published final guidelines designed to “strengthen the governance and risk management practices of large financial institutions.” While the final guidance clearly applies to larger financial institutions, community banks should still take note.

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Community Bank Community Guidelines Risk Management 207

Abrigo

SEPTEMBER 17, 2024

Manage the impact of interest rate cuts at your institution These five tips from Abrigo expert Dave Koch will help banks and credit unions prepare for a rate drop. You might also like this on-demand webinar, "Navigating uncertain times: Strategies for effective risk management and compliance." Make informed decisions faster.

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Abrigo

OCTOBER 8, 2014

This article is the first in a two-part series on top concerns and growth strategies of community banks. Risk management. These are all phrases that resonate with community bankers. Community bankers are not keeping these concerns to themselves. Managing Risk. Risk analysis. Loan growth.

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Community Bank Community Strategy Risk Management 191

CFPB Monitor

AUGUST 31, 2021

The OCC, FDIC, and Federal Reserve Board have issued a guide that is intended to assist community banks in conducting due diligence when considering relationships with financial technology (fintech) companies (Guide). Risk management policies, processes, and controls. Information security program and information systems.

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Abrigo

NOVEMBER 3, 2016

Some of the most pressing challenges facing community banks and credit unions in the current banking environment include narrow interest rate margins, increasing pressure from regulators, and competition with “too-big-to-fail” mega-banks. However, community banks and credit unions can still win with a community and relationship first focus.

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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.

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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.

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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. Which credit areas need routine "maintenance"?

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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.

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Abrigo

AUGUST 13, 2024

Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S.

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Abrigo

JANUARY 22, 2024

Takeaway 2 Examiners' focus is on risk management related to products and services , especially those involving complex technologies like AI. First, they must evaluate whether their institution is prepared to insert AML risk management procedures into the transaction process to match the speed FedNow can offer.

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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. Impacted institutions are subject to significant fines relative to the level of non-compliance identified by the regulators.

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Compliance New York Regulation Analysis 221

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. Impacted institutions are subject to significant fines relative to the level of non-compliance identified by the regulators.

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Jack Henry

SEPTEMBER 18, 2019

Banks and credit unions rely heavily on fintechs to sustain compliant efficient operations, process payments and other data, protect information and deliver service to customers in a variety of ways. Fintech providers play an important role in the financial services industry. Thus, the reward for engaging with trusted providers.

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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. This sentiment was echoed by Laurie Stewart , President and CEO of Sound Community Bank.

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Compliance Community Bank Community Conference 221

Abrigo

SEPTEMBER 7, 2023

Adapt to a dynamic banking environment with real-time lending & credit data Lender dashboards and reports showing the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, etc. You might also like this on-demand webinar, "Identifying emerging CRE risks." Learn how to tap your data to generate management insights.

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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).

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Report Risk Management Capital Data 195

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.,

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Abrigo

OCTOBER 23, 2014

But how can this growth be managed appropriately? Community banks certainly want to remain conservative with risks and follow regulations. But whether outsourced or not, senior management needs to have “high quality, timely portfolio information” so they can make better loan decisions over time.

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Risk Management Management Lending Resources 186

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.,

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Lending St. Louis Community Marketing 195

Perficient

JANUARY 30, 2024

I see the Risk & Regulatory Center of Excellence playing a crucial role in enhancing client satisfaction in a variety of ways: Expertise and Specialization: The CoE is a team of experts who specialize in risk management and regulatory matters. Improved collaboration can lead to an integrated approach to client service.

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Abrigo

JUNE 28, 2023

Share these reports on AML activities to inform directors Reporting to the board on AML and fraud compliance is an essential obligation. Here are several types of reports that provide vital information. You might also be interested in this AML/CFT risk assessment checklist. Would you like other articles like this in your inbox?

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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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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. .

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Abrigo

APRIL 7, 2023

Additionally, the process of translating all this information into a persuasive business case is often a new or unfamiliar endeavor for a Loan Review Manager. At Abrigo, we understand how difficult this process can be. Improving systems is about leveraging your financial institution's processes to get the most out of its personnel.

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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. Cyber Risk Recommendation 5: Protect and monitor network endpoints.

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