Abrigo

JUNE 13, 2019

And few credit unions are involved in lending programs backed by the U.S. This is the case, despite the fact that SBA lending has gained momentum among small businesses in the past five years. “Why They just don’t,” says Rob Ashbaugh, Abrigo Executive Risk Management Consultant. More room for business lending.

Lending 150

Lending Resources Survey Risk Management 150

Abrigo

APRIL 24, 2023

Construction loans grow, delinquencies flatten in 2023 Construction lending projections look positive according to S&P data from 2022 and 2023. You might also like this webinar, "How to manage a high-performing construction loan portfolio." Construction lending has seen several stumbling blocks over the past few years.

Trends 195

Trends Lending Risk Management Arkansas 195

Abrigo

DECEMBER 14, 2014

Many would point to imprudent lending standards as a leading cause of the financial crisis of 2008, and in turn, financial institution regulators have since bolstered lending standards and capital thresholds as a preventive measure against a similar crisis. Blog Bank Credit Union'

Guidelines 223

Guidelines Payments Lending Capital 223

Abrigo

JULY 6, 2017

It’s been more than six months since the National Credit Union Administration (NCUA) issued its revised member business lending (MBL) rule in January 2017. The NCUA recently updated the Examiner’s Guide to include what it described as a clear framework for supervisory expectations for managing a commercial lending program.

Risk Management 170

Risk Management Lending Policies Management 170

Abrigo

OCTOBER 22, 2024

Say "thank you" this National FinCrime Fighter Day BSA professionals and financial crime fighters are tasked with the challenge of protecting our financial system daily. October 26 is National Financial Crime Fighter Day , and it’s the perfect time to pause and applaud everything these professionals do.

Security 221

Security Fraud Community National 221

South State Correspondent

JUNE 8, 2022

In 2022, national banks are especially active in managing interest rate risk by booking floating rate loans and mandating that borrowers fix their rates through a loan hedging program. National Bank Strategies For Interest Rate Risk Management. National Bank Strategies For Interest Rate Risk Management.

Community Bank 195

Community Bank Community National Strategy 195

Abrigo

DECEMBER 1, 2014

Credit unions have seen an unprecedented uptick in business-related loans in recent years, according to the Credit Union National Association’s (CUNA) U.S. Many credit unions underestimate the resources and expertise needed to implement a successful program without exceeding risk appetite. Credit Union Profile. billion to $43.16

Strategy 186

Strategy How To Resources Lending 186

PYMNTS

JULY 22, 2016

It feels like 2014 again with the ongoing popularity of alternative lending startups. Earlier this week, reports emerged that some alternative lending and industry professionals are beginning to heighten their anxieties about incoming regulation, particularly as some ponder whether the U.S. Alternative Lending. MarketInvoice.

Lending 100

Lending Regulation Big Data Risk Management 100

Abrigo

AUGUST 12, 2019

Abrigo is bringing together the nation’s leading conferences on the new current expected credit loss (CECL) standard, MainStreet Technologies’ National CECL Conference, and the leading conference on lending, credit and portfolio risk best practices, Sageworks’ Lending & Risk Summit. Have fun!

Conference 150

Conference Lending National Risk Management 150

Abrigo

MARCH 31, 2023

NCUA expectations for credit unions post-CECL adoption The NCUA's focus on risk, especially credit risk, has implications for credit unions instituting CECL this quarter. The National Credit Union Administration (NCUA) emphasized interest rate, liquidity, and credit risk as the main areas for concern in its 2023 letter.

Risk Management 195

Risk Management Policies Capital Maine 195

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. You're not alone. Podcasts are booming as more people find the listen-anywhere-anytime audio format fits their lifestyle needs.

Fraud 221

Fraud Community Community Bank Lending 221

Abrigo

MARCH 6, 2015

March comes in like a lion for the nation’s largest banks. Stress testing allow banks and credit unions to examine the portfolio, concentrations and specific borrower relationships to identify risk and make more informed capital planning and lending strategy decisions based on their individual results.

Risk Management 150

Risk Management Capital Community Bank Regulation 150

PYMNTS

APRIL 26, 2020

Every bank is under the cosh of its national regulators, who in times of crisis show a huge home bias,” said Jan Pieter Krahnen, director of the Center for Financial Studies at the University of Frankfurt, according to FT. This heavily influences risk management and regional exposure, which comes at the expense of clients abroad.”.

US 143

US Regional America Lending 143

Independent Banker

JUNE 30, 2022

But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Here, we highlight some of last year’s most successful loan producers in the areas of agriculture, commercial and consumer/mortgage lending. By Ed Avis.

Community Bank 172

Community Bank Community National Philadelphia 172

Abrigo

AUGUST 5, 2020

is officially in a recession, according to the National Bureau of Economic Research. Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. The national effects remain opaque and will continue to change – do not get complacent.

Management 195

Management Risk Management Trends Industry 195

South State Correspondent

APRIL 30, 2024

Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans. Banks are in the business of keeping loans, not making loans.

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans. Banks are in the business of keeping loans, not making loans.

Community Bank 195

Community Bank FDIC Community National 195

Abrigo

MAY 22, 2015

The Community Developments Investment s spring newsletter includes an array of data on the small multifamily rental housing market and provides an overview of some of the risk management issues related to commercial real estate lending and small multifamily property lending.

Marketing 150

Marketing Community United States Guidelines 150

PYMNTS

JUNE 26, 2018

Accountants with small business customers facing regulatory compliance or enforcement issues will be able to seamlessly direct those clients to the SBA ’s Office of the National Ombudsman (ONO), which helps to resolve those matters. The SBA and AICPA have been working together since 2008, the entities noted.

Groups 101

Groups National Compliance Lending 101

Abrigo

MARCH 17, 2022

Agencies note that existing guidance, including that covering interest rate risk management, commercial real estate concentrations, and funding and liquidity management (among others), continues to apply. Prudent stress testing as a risk management tool helps the enterprise see where the potential pitfalls are in their plans.

Capital 195

Capital Regulation Risk Management Community 195

Abrigo

MAY 5, 2022

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. Listen to the podcast episode, " How To Sleep Easier at Night About Capital and Risk Levels.". Lending & Credit Risk.

Community 195

Community Lending Maine Resources 195

PYMNTS

SEPTEMBER 15, 2017

Of course, banks have to be run with safety and soundness to protect those deposits, but they also have myriad public mandates, like fair lending, anti-money laundering and customer privacy. Lending money beyond what people can bear is the hallmark of predatory lending, she emphasized, and that’s not going to help the customer.

Fintech 198

Fintech System Lending Cards 198

PYMNTS

JUNE 29, 2016

” The bank said the charge relates to asset finance loans underwritten that did not meet Shawbrook’s lending criteria. In other words, the bank had been lending out what some reports described as “dodgy” loans. “They have been investigated thoroughly and appropriate action has been taken.”

Lending 100

Lending Risk Management Report Meeting 100

PYMNTS

JUNE 7, 2016

With an eye on what could be called a true greenfield opportunity, alternative lending platform Biz2Credit is launching its small business lending products in India.

Online 100

Online Lending Course Risk Management 100

PYMNTS

JULY 19, 2018

Wells Fargo , the embattled national bank, is reportedly refunding tens of millions of dollars for a range of products, including pet insurance and legal services. In April, the bank settled with the CFPB and the Office of the Comptroller of the Currency, getting slapped with a $1 billion fine for its lack of risk management.

Risk Management 101

Risk Management Regulation Lending Management 101

Abrigo

NOVEMBER 29, 2021

Financial institutions generate most of their income by lending and investment activities. To remain competitive, some of the nations’ largest banks have introduced new products. Drive growth with integrated risk management. Portfolio Risk & CECL. 4 Steps for Integrating CECL and Other Risk Management Models.

Community Bank 195

Community Bank Community FDIC Trends 195

PYMNTS

NOVEMBER 21, 2016

The dominating narrative in small business lending is the rise in alternative finance to fill the gaps left behind by traditional banks. Sageworks , which develops financial data management solutions for financial institutions, has just entered the SME lending arena with a new solution that provides banks with small business lending support.

Lending 100

Lending Meeting National Community 100

PYMNTS

DECEMBER 15, 2017

By now, the alternative lending market is hardly new, and investor appetite for startups in the space seems to have waned. Sure, it shows that investors aren’t ready to give up on alternative lending just yet. million in funding it just raised to continue growing in the fraud and risk management industry. SMB Finance.

Fraud 115

Fraud Capital New York City Lending 115

South State Correspondent

AUGUST 21, 2022

Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. Meet Competitive Pressures: National and larger regional banks are specifically targeting better borrowers for seven, ten, or 20-year fixed-rate loans.

How To 195

How To Community Bank Community FDIC 195

South State Correspondent

JANUARY 4, 2023

Building out the ever-important treasury management suite, targeting deposit-rich customer segments, and creating new savings products are all examples of how banks can build deposit balances at low cost, low-rate sensitivity, and high deposit convexity. Lending Focus – Interest Rate Sensitivity and Credit Accuracy.

Community Bank 195

Community Bank Capital Marketing Lending 195

South State Correspondent

APRIL 10, 2023

Depositors view the largest national banks as safer because they are perceived as too big to fail and implicitly backed by the government. We believe that prudent risk management is not predicated on trying to predict interest rates relative to the forward curve.

Community Bank 195

Community Bank Community Security Capital 195

PYMNTS

APRIL 10, 2018

In general, we think there is more room for harm to happen with small companies than good,” reflected National Small Business Association (NSBA) president and CEO Todd McCracken to the news outlet in response to President Donald Trump’s hike on aluminum and steel tariff increases.

Risk Management 123

Risk Management Analysis Survey Report 123

Independent Banker

SEPTEMBER 25, 2014

Be aware of existing or emerging risk concerns. increased operational risks. Implicit in managing operational risk is for banks to continue to maintain adequate capital and a solid balance sheet, he says. It’s not just about looking at the returns but having the due diligence and risk management folks involved.”.

Compliance 101

Compliance Regulation Community Bank Community 101

Jeff For Banks

MAY 20, 2017

Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. Risk mitigants tend to lag growth, especially fast growth.

Lending 60

Lending Regulation Community Community Bank 60

American Banker

FEBRUARY 15, 2024

Investors have hammered the New Jersey-based lender following the turmoil at New York Community Bancorp. But Valley executives say there are key differences between the two real estate-focused banks, and they express confidence that the bank's underwriting will hold up again this cycle.

New Jersey 83

New Jersey National New York Community 83

CFPB Monitor

NOVEMBER 22, 2022

While the report does not address “true lender” challenges in bank/fintech lending relationships, it does discuss the risk of “so-called ‘rent-a-charter’ schemes that market themselves as innovative fintech lending platforms, but operate with essentially the same harmful business model as a traditional payday lender.”

Fintech 78

Fintech Report Data Lending 78

CFPB Monitor

JUNE 1, 2020

In that decision, the Second Circuit held that a nonbank that purchased charged-off loans from a national bank could not charge the same rate of interest on the loan that Section 85 of the National Bank Act allowed the national bank to charge. Midland Funding. 85] [12 U.S.C 85] [12 U.S.C

FDIC 78

FDIC National Lending Analysis 78