Exercises Lending Risk Management 
Perficient
JUNE 19, 2024
During the discussion, several risk executives explained their bank used to develop RCSA goals annually, which had become a routine exercise. This more frequent approach provided significant value to the bank’s RCSA program, transforming it from a tick-the-box exercise into a meaningful practice. Many hands rose immediately.
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.
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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.
Abrigo
MARCH 21, 2024
Enterprise value, or the fair value of the acquired credit union, becomes the imputed “purchase price” of the transaction and acts as the baseline in the purchase price allocation exercise for goodwill determination. Enterprise value considers more than just the book value of a credit union's assets and liabilities.
Abrigo
SEPTEMBER 5, 2023
Finally, while there may be a distinction in the severity of risk of the credit exception, that assessment tends to be inherent in the exception itself rather than the subject of the exception (e.g., unsecured lending is bad rather than unsecured lending should only be extended to high pass risk rated credit).
Abrigo
JANUARY 12, 2016
Finally, a risk rating can help the lender determine if they will reprice or re-structure the loan when it comes time for renewal. Risk rating sets the foundation for the risk management of the entire loan portfolio. The risk rating gives the management team, board and auditors a view of trends in risk levels.
Abrigo
SEPTEMBER 16, 2016
As Tim McPeak, an executive risk management consultant at Sageworks, pointed out in a recent webinar , it may seem obvious, but benchmarking your bank against peers on some basic metrics is an important first step in any peer analysis. For example, the peer group may be based on geographic location or total asset sizes.
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