American Banker

JANUARY 28, 2020

To guard against headwinds in the agricultural sector, the Federal Deposit Insurance Corp. recommended that institutions consider the “overall financial status” of farm loan borrowers.

Exercises 62

Exercises FDIC Risk Management Industry 62

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.

System 150

System Risk Management Management Exercises 150

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.

Analysis 150

Analysis Leadership Groups Case Study 150

South State Correspondent

AUGUST 21, 2022

Lending Discipline: Hedging programs make loan pricing more transparent and force bankers to exercise sensible pricing methodologies. More sophisticated entities can handle a higher ratio because they possess the systems and managerial sophistication to manage the risk.

How To 195

How To Community Bank Community FDIC 195

Abrigo

NOVEMBER 11, 2019

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance.

Management 150

Management FDIC Community Risk Management 150

South State Correspondent

MARCH 14, 2024

Risk management also needs to change. Finding your bank tied to a rural area that is decreasing in size and profitable demographics is your bigger risk. Banks need to evaluate new technology, new lending areas, and new cash management levels to name a few with a longer time horizon and with some process rigor.

Innovation 195

Innovation Strategy Capital Comparison 195

Gonzobanker

MAY 8, 2020

So far, bankers have taken comfort in the soundbite that “this crisis is different” because of the strong capital levels and risk management rigor that has developed since the Great Recession. Practice the art of surgical lending. For instance, Wells and Chase just shut down all home equity lending.

Lending 97

Lending Analytics Analysis Capital 97

FICO

DECEMBER 8, 2022

Lenders must adopt a similar mindset as they manage the financial health of their consumer lending portfolios to insulate their existing assets from potential portfolio risk volatility. Of course, credit risk management is only one aspect of portfolio health.

Risk Management 52

Risk Management Management Strategy Examples 52

South State Correspondent

APRIL 27, 2022

Journey mapping with meaning – Journey mapping is not a one-time exercise or some bank marketing consultant’s final deliverables. Battle complacency – At no time should you roll out a bank product such as digital account opening, lending platform, or even a website and think you are done. It is rarely the other way around.

Customer Experience 195

Customer Experience eBook User Experience Policies 195

CFPB Monitor

JUNE 1, 2020

In its analysis accompanying the final rule, the OCC observed that, while Section 85 clearly establishes a national bank’s authority to make and transfer loans, it does not expressly address how the exercise of that authority affects the interest term.

FDIC 78

FDIC National Lending Analysis 78

Abrigo

OCTOBER 9, 2019

Additionally, it is important to remember that CECL is an accounting exercise while stress testing is a regulatory or institution risk management process. Portfolio Risk & CECL. Credit Risk. Portfolio Risk & CECL. Portfolio Risk & CECL. Learn More. Asset/Liability. Fraud Prevention.

Data 150

Data Exercises Software Tools 150

BankUnderground

JANUARY 12, 2023

This in turn means greater risk of ‘debt deleveraging’ by heavily indebted households and firms, who may be forced to reduce their spending in order to meet their debt obligations, potentially amplifying any recessionary effects. This is akin to the concept of ‘value-at-risk’ used in financial risk management.

Policies 137

Policies Capital Exercises Lending 137

Abrigo

NOVEMBER 22, 2021

Consumer Lending Laws & Compliance Financial institutions offering consumer loans need to know about these major consumer lending laws and recent compliance issues. You might also like this webinar, "Consumer Lending 101.". Consumer lending compliance spotlight. Pandemic Issues.

Compliance 195

Compliance Lending Risk Management Regulation 195

Gonzobanker

FEBRUARY 11, 2015

This is not an academic exercise. At the same time, it might be making the branch channel less profitable because it took business from a channel that is mostly fixed cost (see note on fewer locations above). Important technology and marketing dollars will be invested based on these answers. The other area is payments.

System 60

System Risk Management Management Lending 60

Lex Sokolin

DECEMBER 31, 2020

Decentralized Finance, Blockchain, and CBDCs Why Peer-to-Peer models fail against oligopoly, with Lending Club shutting down p2p platform, Seedrs/Crowdcube merging, and Morgan Stanley buying Eaton Vance for $7B. the Lending Clubs) end up becoming banks and seeking the thing it looked like they would disrupt. They all (i.e.,

Fintech 52

Fintech Bitcoin blockchain Google 52

Lex Sokolin

DECEMBER 31, 2020

Decentralized Finance, Blockchain, and CBDCs Why Peer-to-Peer models fail against oligopoly, with Lending Club shutting down p2p platform, Seedrs/Crowdcube merging, and Morgan Stanley buying Eaton Vance for $7B. the Lending Clubs) end up becoming banks and seeking the thing it looked like they would disrupt. They all (i.e.,

Fintech 52

Fintech Bitcoin blockchain Google 52

FICO

FEBRUARY 12, 2023

The most popular posts in our Customer Development category dealt with digital banking, optimizing credit line increases, loan pricing and machine learning for credit risk models. The business model here needs to focus on a strategy that balances lending growth while keeping risk in check.

Digital Banking 52

Digital Banking eBook Analytics Customer Experience 52

Gonzobanker

FEBRUARY 21, 2017

The fraudulent activity of several Wells Fargo employees is a sobering reminder that governance and risk management shouldn’t simply be “check the box” exercises. More importantly, no one is going to spend political capital to move mountains in Washington over a possible problem.

Regulation 71

Regulation Risk Management Management Industry 71

Gonzobanker

FEBRUARY 21, 2017

The fraudulent activity of several Wells Fargo employees is a sobering reminder that governance and risk management shouldn’t simply be “check the box” exercises. More importantly, no one is going to spend political capital to move mountains in Washington over a possible problem.

Regulation 60

Regulation Risk Management Management Industry 60