Perficient

FEBRUARY 27, 2025

Digital transformation will remain a powerful force, with advancements in AI and machine learning enabling unparalleled operational efficiencies and hyper-personalized customer experiences. Recommended Approach: Navigating constant changes in risk and regulatory environments is crucial for banks in 2025.

Banking Trends 221

Banking Trends Trends Digital Banking Customer Experience 221

Abrigo

FEBRUARY 6, 2025

Compliance with investment accounting and reporting requirements plays a central role in ensuring operational efficiency and regulatory adherence. Compliance with investment accounting and reporting requirements plays a central role in ensuring operational efficiency and regulatory adherence.

Compliance 195

Compliance Technology Operations Risk Management 195

Abrigo

DECEMBER 22, 2023

The most-read lending & credit blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. Abrigo's blog covered these and other subjects in 35 credit and lending-specific posts this year.

Lending 221

Lending Risk Management Community Management 221

Abrigo

APRIL 25, 2024

Recent data and trends of the small business lending market SMB Lending Insights is a snapshot of current financial trends and metrics that impact small and medium-sized business (SMB) lending and financial institutions. You might also like this guide for smarter, faster small business lending.

Lending 221

Lending Trends Capital Strategy 221

Abrigo

APRIL 11, 2025

Learn why Unique needs & challenges Each financial institution is unique, and adopting new technology requires thoughtful integration withor changes toexisting operations. The real measure of success with financial technology isnt just automation or efficiencyits the long-term impact on operations, risk management, and relationships.

Technology 195

Technology Software Training Risk Management 195

Abrigo

FEBRUARY 6, 2024

Develop an MBL program while mitigating risk Credit unions looking for alternate paths to growth in today's rising rate environment may be primed to leverage member business lending. Takeaway 3 The specific policy areas outlined below should be carefully considered by credit unions engaged in member business lending.

Lending 221

Lending How To Risk Management Policies 221

Abrigo

DECEMBER 20, 2024

Dave Koch, Managing Director of Abrigo Advisory Services and a lead faculty member of the Graduate School of Banking at the University of WisconsinMadison, said that with additional rate cuts, financial institutions could face a squeeze on net interest margin spread. Optimize ALM operations and tailor them to your unique bank or credit union.

Management 195

Management Risk Management Trends Lending 195

Abrigo

DECEMBER 29, 2023

Abrigo's most popular whitepapers and checklists on lending and credit risk Abrigo experts' insights on CFPB 1071, loan policies, and risk ratings were popular with banking professionals. You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool." Here are the top resources.

Resources 221

Resources Lending Risk Management Policies 221

Abrigo

AUGUST 1, 2022

What are model risk management and model validation? Model risk management (MRM) is a framework of systemic oversight of the models a financial institution or organization relies on for financial reporting, decision-making, and other critical purposes. Model governance overview. Federal guidance. Validation teams.

Risk Management 195

Risk Management Management Regulation Analysis 195

Perficient

AUGUST 4, 2024

This connectivity enhances interoperability, allowing for streamlined operations and improved data flow across various platforms. Implementing API Management provides full lifecycle support for your API’s, API discovery, and a developer portal to streamline both development and operational needs.

Industry 467

Industry Compliance Examples Risk Management 467

Perficient

MARCH 17, 2025

We are witnessing the integration of AI, the rise of hyper-personalization, and the adoption of advanced digital platforms, all of which are revolutionizing operations and client interactions. The financial services sector is experiencing transformative changes driven by technological advancements and innovative trends.

Trends 221

Trends Analytics Compliance Strategy 221

Abrigo

FEBRUARY 27, 2020

Key Takeaways Financial institutions who want to maintain a healthy share of business lending this year and through potentially tougher economic times ahead want to be in the best position possible before trouble hits. Abrigo's Business Lending Readiness Survey found many processes stymie those efforts. learn more.

Lending 243

Lending Survey Data System 243

Abrigo

JULY 20, 2024

Ready to catch the next wave of lending growth? Commercial and industrial lending (C&I) will be the next big performance driver for banks and credit unions. You might also like this paper on how institutions can produce smarter, faster lending. C&I lending will be the next “bomb.”

Lending 195

Lending Risk Management Management Capital 195

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.

Risk Management 150

Risk Management Management Policies Lending 150

South State Correspondent

JUNE 25, 2024

In this article, we provide a concrete example of how product management in lending might work. Product Management in Lending – The Strategy of a Loan-Level Hedging Program The goal of product management in lending strategy is to create value versus your competition in credit.

Lending 195

Lending Management Community Bank Community 195

PYMNTS

MARCH 20, 2020

FinTechs continue to push the envelope to see how far open banking frameworks can go in improving the SMB banking experience, and increasingly, SMB lending is shifting to the center of these collaborative efforts. In the U.K., ’s experience is quickly influencing the way SMB lenders approach open banking in other markets like the U.S.

Lending 233

Lending Data User Experience Fraud 233

Abrigo

JULY 25, 2022

Strong demand is a factor in the ag lending outlook ahead Ag lenders can begin taking steps to ensure they are prepared and can provide positive customer or member experiences. The outlook for ag lending has its share of uncertainty. Inflation, rates are factors in ag lending outlook. Farmers expect worse in 2023. Rising inputs.

Lending 195

Lending Kansas City Kansas Resources 195

Abrigo

JANUARY 3, 2023

Sound construction loan principles and processes Start with the basics to build a successful construction loan operation at your financial institution. You might also like this webinar, "How to manage a high-performing construction loan portfolio." Construction lending from the ground up. Construction Lending. Whitepaper.

Lending 195

Lending Policies Survey Risk Management 195

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.

Risk Management 195

Risk Management Regulation Policies Management 195

Perficient

FEBRUARY 12, 2025

These changes require significant adjustments in risk management, compliance frameworks, and operational protocols. Enforcing consumer protections will become a gray area, creating operational headaches for consumers and financial institutions.

Trends 221

Trends Payments Compliance blockchain 221

PYMNTS

JUNE 1, 2020

For Wells Fargo, he will act as the CRO for Consumer Lending. Chief Operational Risk Officer at Santander Bank, will serve as the leader of the Operational Risk team for Wells Fargo. Reen , the press release says, worked until recently as CRO for J.P.Morgan’s Card Services business.

Risk Management 130

Risk Management Management Strategy Operations 130

PYMNTS

MARCH 12, 2020

But the latest initiatives reveal a growing interest in transforming internal processes, particularly among smaller banks looking to upgrade their core infrastructure and elevate small business lending operations. Equiniti Eyes APIs for Risk Management. Bectran Augments Cash Application With API.

Lending 194

Lending Risk Management Fintech Community 194

Cisco

JUNE 7, 2022

The past 20 years have visibly demonstrated the impact large scale events have on market, credit, and operational risks in financial services. In between these events, a different crisis began in the US sub-prime lending market. The subsequent regulatory activity in response to these events focused on operational risks.

Risk Management 118

Risk Management Management Cyber Security Handbook 118

Abrigo

AUGUST 28, 2022

Develop better ag lending workflows before demand picks up. A better ag lending process makes applying smoother for borrowers and can allow efficient ag loan growth without adding a lot of staff. Takeaway 1 Now is the time to plant the seeds for harvesting growth in the ag loan portfolio by creating a better ag lending process.

Lending 195

Lending System Analysis Data 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

SEPTEMBER 1, 2020

Now, many of the nearly 5,500 SBA-approved lenders that are participating in the PPP are weighing the option of leveraging that technology to continue to provide SBA lending after PPP. Leveraging tech for SBA lending after PPP. Or, they might wonder whether it’s too late to start 7(a) lending if they’ve never done it before the PPP.

Lending 195

Lending Risk Management Technology Survey 195

Abrigo

JUNE 7, 2017

It’s been five months since the new member business lending (MBL) rule from the NCUA went into effect in January, providing greater flexibility to credit unions offering member business loans. Credit unions should determine the focus of their business lending program and identify what is needed to achieve those goals.

Lending 150

Lending Management Analysis Policies 150

PYMNTS

MARCH 26, 2018

Wells Fargo, weeks after it was hit with a rare enforcement action from the Federal Reserve, is overhauling its risk management processes and announced internally that four top risk management executives would be retiring. However, the FI can still lend and take deposits. All are retiring in April, May or June.

Risk Management 100

Risk Management Management Compliance Groups 100

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.

Lending 195

Lending How To FDIC Survey 195

Abrigo

APRIL 12, 2021

What an LOS Is, and How It Benefits CFIs A loan origination system automates and manages the lending process to address common challenges. Takeaway 1 The lending landscape is increasingly competitive and the process is frustrating. A loan origination system automates, manages. Here's what a loan origination system is.

System 338

System Lending Software Analysis 338

Abrigo

SEPTEMBER 1, 2020

Now, many of the nearly 5,500 SBA-approved lenders that are participating in the PPP are weighing the option of leveraging that technology to continue to provide SBA lending after PPP. Leveraging tech for SBA lending after PPP. Or, they might wonder whether it’s too late to start 7(a) lending if they’ve never done it before the PPP.

Lending 195

Lending Training Technology Survey 195

Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. Eberley, director of the FDIC's Division of Risk Management Supervision wrote in the publication.

FDIC 186

FDIC Risk Management Analysis Lending 186

Perficient

JULY 12, 2023

Perficient provides risk management to more than 500 financial services organizations, many of whom have multiple bank regulators. The new federal risk guidance for banks does not remove the need for sound risk management. Introduction It’s not you. It’s the guidance.

Management 221

Management Risk Management Regulation Compliance 221

Abrigo

NOVEMBER 12, 2023

Support credit risk management Understanding loan covenants, when financial institutions should use them, and how to monitor them supports strong lending portfolios and credit risk management best practices. Covenants are warranted in commodity financing and floor-plan lending deals, Kirby added.

Risk Management 221

Risk Management Lending Policies Management 221

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.

Analysis 195

Analysis Industry Risk Management Lending 195

Abrigo

JUNE 18, 2020

CRE Lending. Lending & Credit Risk. SBA Lending. How the Pandemic and PPP Have ‘Turbo-charged’ New Business Lending Strategies. CRE Lending. Credit Risk Management. Lending & Credit Risk. CRE Lending. Lending & Credit Risk. C&I Loans.

Lending 293

Lending Strategy Risk Management Compliance 293

Abrigo

OCTOBER 17, 2023

More recently, the OCC identified change management as one of its supervision priorities for the year ahead. Change management strategies involve clear communication, training, and support mechanisms, fostering a positive environment where employees feel valued and engaged, even amid change.

Management 195

Management Lending Risk Management Strategy 195