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

MARCH 3, 2022

By leveraging their strengths in relationship lending and their access to technology in order to grow the small business loan portfolio profitably. CFIs are poised to regain the small business lending market Community Financial Institutions can leverage technology to improve customer experience and regain the small business lending market.

Lending 195

Lending Community Marketing Community Bank 195

Abrigo

JANUARY 29, 2020

Key Takeaways The FDIC issued an advisory to FIs encouraging safe and sound lending practices in today's ag lending environment. FDIC) issued an advisory to financial institutions encouraging exceptionally safe and sound lending practices in agricultural lending. Learn More.

Lending 195

Lending How To FDIC Survey 195

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Takeaway 1 SBA lending can expand your product offerings to help win deals with prospects and existing business customers or members. Why SBA Lending? Would you like others articles like this in your inbox? 1 and Sept.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

FEBRUARY 12, 2020

Key Takeaways Commercial real estate lending will be a top focus for many financial institutions in 2020. CRE loan performance metrics at FDIC-insured institutions are strong, although institutions with CRE concentrations may be vulnerable to economic changes,” The FDIC said in its 2019 Risk Review. CRE Lending.

Lending 195

Lending Trends FDIC Survey 195

Banking Exchange

JUNE 17, 2020

Total deposits in FDIC-insured banks increased by a record $1.2 billion between January and March, data shows Risk Management Covid19 PPP The Economy Feature Feature3 Fair Lending.

FDIC 78

FDIC Risk Management Lending Management 78

CFPB Monitor

APRIL 7, 2022

The FDIC has issued the March 2022 edition of Consumer Compliance Supervisory Highlights which includes a description of some of the most significant consumer compliance issues identified by FDIC examiners during consumer compliance examinations conducted in 2021. Fair lending.

FDIC 78

FDIC Compliance Lending Regulation 78

South State Correspondent

MARCH 13, 2023

On the liability side of SVB’s $173B in deposits at the end of 2022, approximately 97% were uninsured and above the $250k in FDIC protection threshold. Based on the bank’s own filing, and like many banks, SVB did not deploy hedging instruments to manage its securities duration risk.

Risk Management 221

Risk Management Management Community Bank Community 221

Jeff For Banks

JANUARY 26, 2023

The FDIC has defined community banks in their December 2020 Community Banking Report that either exclude or include the following criteria: Seems complicated. But the FDIC did confess that a community bank was not easily defined. A community bank lends depositor money here. A big bank lends a little here, there, and everywhere.

Community Bank 147

Community Bank Community FDIC Risk Management 147

Abrigo

MAY 19, 2023

The complexity and scope of a loan review system will vary based on an institution’s size, type of operations, and management practices. Systems may include components that are independent of the lending function or may place some reliance on loan officers.

System 195

System Regulation How To Lending 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. ALM seen as checking the box.

Management 150

Management FDIC Community Risk Management 150

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. Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model.

Community Bank 195

Community Bank FDIC Community National 195

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. Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model.

Community Bank 195

Community Bank FDIC Community National 195

PYMNTS

JANUARY 7, 2021

Talk Android posts a letter from the company in which it says there will be "no immediate impact" to accounts and that users don't need to do anything right now, with their funds housed in FDIC insured accounts with BBVA. And, the company says it wants to make the transition "as smooth as possible" for customers.

FDIC 336

FDIC Google User Experience Lending 336

American Banker

DECEMBER 23, 2019

The board- and management-level handing of CRE concentration was the chief concern of FDIC examiners, making up more than 56% of all the supervisory recommendations regulators made in the two-year period.

FDIC 54

FDIC Lending Regulation Management 54

CFPB Monitor

DECEMBER 28, 2020

The FDIC has issued a final rule setting forth the conditions it will impose and the commitments it will require to approve a deposit insurance application from an industrial bank or industrial loan company (collectively, ILC) whose parent company is not subject to consolidated supervision by the Federal Reserve Board (FRB).

FDIC 78

FDIC Industry Policies Company 78

Abrigo

NOVEMBER 24, 2015

Add FDIC Chairman Martin J. The FDIC said that the percentage of loans and securities with maturities of three or more years hit the highest percentage in the 18 years of data records, rising to 34.6 Community banks have grown their share of longer-term assets even more quickly than the rest of the industry, according to the FDIC.

FDIC 150

FDIC Lending Community Bank Industry 150

CFPB Monitor

NOVEMBER 21, 2019

The OCC and FDIC issued proposed rules this week intended to eliminate the uncertainty created by the Second Circuit’s decision in Madden v. Comments on the FDIC’s proposal must be submitted no later than 60 days after the date the proposal is published in the Federal Register. Midland Funding. 85 [or 12 U.S.C

FDIC 78

FDIC National Lending Policies 78

South State Correspondent

NOVEMBER 18, 2024

Mitigating market risk comes from proper customer selection, structuring the loan as to not acerbate a bank’s risk, pricing the relationship correctly taking into account cost and risk through the loan lifetime, actively managing that customer (monitoring credit, building deposit balances, increasing engagement, enhancing fee income, etc.)

Strategy 195

Strategy Community Bank Community FDIC 195

CFPB Monitor

JUNE 13, 2022

One issue raised in the RFI is “to what extent should the CFPB be consulted by the FDIC when considering the convenience and needs factor and should that consultation be formalized?”. Whether the FDIC finds these arguments persuasive is yet to be seen.

FDIC 78

FDIC Groups Community Meeting 78

South State Correspondent

SEPTEMBER 11, 2023

On September 7, 2023, the FDIC released its banking profile. This quarterly publication provides a comprehensive financial results summary for all FDIC-insured institutions (4,645 commercial banks and savings institutions insured by the FDIC). While banks under $10B in assets comprise 97.8%

Community Bank 195

Community Bank Community FDIC Industry 195

Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. FDIC officials in March outlined several types of weaknesses in loan underwriting, administration and oversight practices that are emerging at some banks with CRE portfolios.

FDIC 186

FDIC Risk Management Analysis Lending 186

South State Correspondent

SEPTEMBER 3, 2024

Historically short-term interest rates have decreased because the Federal Reserve is managing slowing economic activity. Further, during economic slowdowns, banks tend to lend less, and this leads to lower yields and lower NIM. Actionable Items There are a few key takeaways from the FDIC paper (both expressly mentioned and implied).

Community Bank 195

Community Bank Community FDIC Industry 195

PopularBank

DECEMBER 11, 2023

Molly Hime, a long-time Division Manager for Popular Association Banking (PAB), a division of Popular Bank , has announced her retirement, effective December 31, 2023. Carlos Hernandez Named New PAB Division Manager. Effective January 1, 2024, Carlos Hernandez will be Division Manager for PAB. Billion in deposits. “We

Management 52

Management Florida Community Leadership 52

PYMNTS

MARCH 4, 2019

Alternative lending firm Funding Circle announced it has reached $2 billion in small business loans facilitated through its platform, a figure that it says exceeds some traditional U.S. Managing Director Bernardo Martinez in a statement. “There is no comprehensive measure of small business lending by banks,” the FDIC said.

FDIC 130

FDIC Lending US System 130

Abrigo

MARCH 2, 2023

Experts have highlighted numerous lessons from Southwest’s experience, many of which can benefit bank and credit union executives, regardless of their institution size, as they manage competing priorities for spending and growth initiatives on banking solutions. A failure in back-office technology directly affects customer experiences.

Technology 195

Technology Lending Community Software 195

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. That 13% represented 80% of the losses to the FDIC insurance fund. How did we get here?

Risk Management 150

Risk Management Management Capital Lending 150

Abrigo

DECEMBER 22, 2023

Takeaway 2 Management reports, probability of default, and model validation topics were found in the top blogs for risk professionals. Takeaway 3 Updates on interest rate forecasting and best practices for managing CRE risk were among the most-read blogs. The FASB’s description of proposed changes can be found here.

Risk Management 221

Risk Management Regulation Management Lending 221

PYMNTS

APRIL 7, 2016

On the logic that everything is easier when taken on with a team, the big names in marketplace lending are joining forces and forming their own nonprofit trade association. The CEOs of Funding Circle, Lending Club and Prosper have announced the launch of the Marketplace Lending Association (MLA).

Lending 100

Lending San Francisco FDIC Regulation 100

Perficient

NOVEMBER 10, 2023

Retail banks respond to the Federal Reserve’s short-term interest rate adjustments with corresponding changes in lending and deposit rates. However, in the current rising interest rate environment in the United States since 2022, loan rates have adapted more rapidly than deposit rates.

Risk Management 221

Risk Management United States FDIC Compliance 221

PYMNTS

JULY 14, 2020

In addition to its core POS lending business, Affirm branched out into financial services in June, debuting a high-yield savings account called Affirm Savings. Silicon Valley FinTech Affirm is also a regular in the top 5 this year. The account comes with 1.30 The account comes with 1.30 stores for Google Pay and Apple Pay users.

Lending 130

Lending FDIC Minneapolis Utah 130

Abrigo

SEPTEMBER 5, 2023

Portfolio segments should be monitored and managed, not get buried in exception counts. unsecured lending is bad rather than unsecured lending should only be extended to high pass risk rated credit). This is particularly true of credit exceptions related to account management (e.g., It just stays on forever.

Policies 195

Policies Lending Risk Management Examples 195

Abrigo

JULY 1, 2015

A segmentation strategy, though, is a great place to start to nail down an effective and efficient process – not only will it serve a substantial purpose for the ALLL, but also as a larger risk management tool. The ability to adequately meet ALLL, stress testing and other risk management requirements relies upon sound segmentation practices.

Risk Management 150

Risk Management Management Strategy Lending 150

CFPB Monitor

OCTOBER 20, 2016

On October 17, the FDIC released revised interagency Military Lending Act (MLA) examination procedures for use in connection with consumer credit transactions occurring on or after October 3, 2016. The FDIC also provided guidance on its initial supervisory expectations for examinations relating to MLA compliance.

FDIC 60

FDIC Compliance Training Lending 60

Abrigo

AUGUST 8, 2021

An effective independent loan review system has always been critical for managing a financial institution’s credit risk and accurately estimating the allowance for loan and lease losses, or ALLL. Larger or more complex institutions might have credit risk review functions entirely separate from their lending functions.

System 195

System Lending Policies Regulation 195

South State Correspondent

AUGUST 21, 2022

Lending Discipline: Hedging programs make loan pricing more transparent and force bankers to exercise sensible pricing methodologies. Second, community banks should use FDIC-insured institutions as hedge providers, and the hedges must be structured as qualified financial contracts (QFC).

How To 195

How To Community Bank Community FDIC 195

CFPB Monitor

AUGUST 31, 2023

The DOJ opened its investigation of ABOK after receiving a referral from the FDIC. The Department of Justice (DOJ) announced that it has entered into a settlement with American Bank of Oklahoma (ABOK) to resolve allegations that ABOK engaged in unlawful redlining in Tulsa, Oklahoma.

Tulsa 88

Tulsa Oklahoma FDIC Lending 88