Abrigo

JANUARY 3, 2023

Construction lending from the ground up. During a recent construction lending webinar , lending and credit risk expert Dev Strischek of Devon Risk Advisory Group outlined the keys to construction loan success. If your bank policy allows an LTV of up to 80%, then borrowers’ equity will be 20%. Introduction.

Lending 195

Lending Policies Survey Risk Management 195

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

Perficient

MAY 5, 2022

While it was once expected and acceptable for lenders to enforce standardized payment due dates and policies, COVID-19 brought the impracticality and ineffectiveness of a “one-size-fits-all” approach to credit and lending to light. IDC’s Take on Lending Digital Transformation Strategies. And for good.

Lending 354

Lending Strategy Marketing Big Data 354

BankUnderground

JULY 20, 2022

Over the past decade, several central banks have cut policy rates below zero. In a recent paper we explore the effect on bank lending by combining data on exposure to negative rates with banks’ balance sheets, the Spanish credit register and firms’ balance sheets. Why might negative rates work differently?

Policies 110

Policies Lending Capital Study 110

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. Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings.

Lending 221

Lending Risk Management Community Management 221

Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending. Record new business formation and a wider gap between U.S.

Lending 243

Lending St. Louis Community Marketing 243

BankUnderground

AUGUST 9, 2024

Michael Kumhof and Mauricio Salgado-Moreno While ‘unconventional’ balance-sheet policies like quantitative easing (QE) and quantitative tightening (QT) appear to have been successful, it is difficult to separate their macroeconomic and financial stability implications from those of other polices.

Policies 115

Policies Marketing Study Lending 115

Abrigo

MAY 22, 2024

Recent stats and dynamics of the small business lending market Understanding the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending. Record new business formation and a wider gap between U.S.

Lending 195

Lending St. Louis Community Marketing 195

Abrigo

FEBRUARY 7, 2023

How construction administration units mitigate construction lending risk Construction lending involves unique risks and requires specialized processes. WATCH Takeaway 1 The OCC recommends that construction lending risk be managed by specialized real estate and construction lenders who report to the credit department.

Lending 195

Lending Management Risk Management Software 195

BankUnderground

OCTOBER 4, 2023

Julia Giese, Michael McLeay, David Aikman and Sujit Kapadia Central banks have been using a range of monetary policy and macroprudential tools to maintain monetary and financial stability. Financial crises and macroprudential policy The global financial crisis of 2007–08 highlighted major deficiencies in macrofinancial policy frameworks.

Policies 141

Policies Tools Capital System 141

South State Correspondent

DECEMBER 5, 2023

The Concepts Lending Curve: A yield curve shows interest rates associated with different contract lengths for a particular interest rate instrument. While economists may use the shape of the yield curve to gauge future economic strength, bankers should pay particular attention to the lending curve.

Lending 195

Lending Marketing Capital Community Bank 195

CFPB Monitor

DECEMBER 9, 2022

In recent remarks at the CRA & Fair Lending Colloquium, Grovetta Gardineer, Senior Deputy Comptroller for Bank Supervision Policy at the Office of the Comptroller of the Currency, discussed the OCC’s current fair lending initiatives. Her remarks were intended to.

Lending 147

Lending Policies 147

BankUnderground

FEBRUARY 11, 2021

So can recipient countries employ prudential policies to offset monetary policy changes in centre countries? In line with those observations, we uncover evidence of a ‘London Bridge’ in cross-border lending: the way French banks channel funds to the UK is responsive to prudential policies in the rest of the world.

Policies 126

Policies Lending Capital Case Study 126

Abrigo

APRIL 2, 2024

Stand-ou t bank business strateg ies for lending success These bank business strategies will help you market, target, add value to your lending services and build lasting relationships with your borrowers. Lending is a competitive and challenging industry, requiring constant innovation to attract and retain customers.

Lending 170

Lending Strategy Marketing Community 170

PYMNTS

AUGUST 30, 2018

China is struggling to bridge its small businesses to financing for growth, with broader fiscal policy at odds with the initiative, according to reports. 29) that the government’s efforts to spur small business lending by pumping money into the financial services market has yielded only modest success.

Policies 100

Policies Lending Regulation Community 100

Abrigo

APRIL 19, 2022

Credit and Lending Software Overcome Common Lending Problems Banks and credit unions that leverage an integrated lending and credit platform reap the benefits of a consistent, efficient and defensible lending program. Lending and Credit Software. Would you like other articles like this in your inbox?

Lending 195

Lending Software Management System 195

PYMNTS

JANUARY 21, 2021

The European Central Bank (ECB) held this year’s first monetary policy meeting, and said in a statement on Thursday (Jan. The central bank’s governing council said that Eurozone interest rates will stay at record lows, as would other policies instituted during the pandemic.

Policies 226

Policies Operations Maine Course 226

CFPB Monitor

JULY 5, 2023

The CFPB recently issued its annual fair lending report covering its fair lending activity in 2022.

Lending 137

Lending Report Policies System 137

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

FEBRUARY 23, 2022

Loan Decisioning Allows Small Business Lending to Grow Community financial institutions can leverage automated loan underwriting to increase small business lending and achieve consistency. . Takeaway 2 Loan decisioning allows institutions to efficiently allocate credit analysts’ time for profitable small business lending.

Lending 195

Lending Community Bank Community Analysis 195

BankUnderground

NOVEMBER 13, 2024

Macroeconomic evidence suggests that this ‘ global financial cycle ’ is largely driven by US monetary policy: expansionary policy by the Federal Reserve drives increases in lending globally, while contractionary Fed policy leads to a tightening of global financial conditions.

Policies 102

Policies Lending US Chicago 102

CFPB Monitor

MAY 16, 2022

The CFPB recently issued its annual fair lending report covering its fair lending activity in 2021. . Small business lending—assessing whether there are disparities in application, underwriting, and pricing processes, redlining, and whether there are weaknesses in fair lending-related compliance.

Lending 148

Lending Report Memphis Tennessee 148

Abrigo

FEBRUARY 25, 2022

Personalized Touch with Efficient Service Can Boost Lending Banks and credit unions can boost business lending by combining a relationship focus with transaction-oriented processing. . This competition can only increase as the lending landscape continues to shift.

Lending 195

Lending St. Louis Community Survey 195

PYMNTS

JANUARY 14, 2021

After reviewing numerous complaints, Google India said it will remove any apps relating to personal lending that are found to be in violation of its terms of service. The policy requires transparency by financial services apps that extend personal loans. . 14) blog post. “In

Google 150

Google Policies Lending Data 150

BankUnderground

JUNE 1, 2023

Sangyup Choi, Tim Willems and Seung Yong Yoo How does monetary policy really affect the real economy? What kinds of firms or industries are more sensitive to changes in the stance of monetary policy, and through which exact channels? ’), which is why we are interested in creating a broad database of such shocks.

Policies 129

Policies Industry Data Analysis 129

PYMNTS

APRIL 10, 2020

Federal Reserve said that it had launched a multi-trillion dollar lending program that targets smaller businesses, and in a broadened salvo, targets local governments, too. The Fed program is focused on lending. It’s all meant to shore up the U.S. economy, as the fallout from the coronavirus continues.

Lending 338

Lending Maine New York Survey 338

Abrigo

OCTOBER 11, 2017

Policies are “the cornerstones for sound lending and loan administration,” and risk rating policies are a key component. An institution must develop appropriate policies and procedures based on its size and the complexity of its portfolio. Here are three best practices when developing risk rating policies.

Policies 150

Policies Lending Examples Management 150

Abrigo

JULY 18, 2017

The NCUA’s new member business lending (MBL) rule has opened the doors for credit unions to grow their loan portfolios. Endeavoring into member business lending requires a sound strategy that balances inherent risk with perceived opportunity. Defining specific lending policies ultimately sets up the credit union for success.

Policies 150

Policies Lending Analysis Guidelines 150

BankUnderground

FEBRUARY 8, 2022

Could the slow response of deposit rates to changes in monetary policy strengthen its impact on the economy? At first look, the answer would probably be ‘no’ Imperfect pass-through of policy to deposit rates means that the rates on a portion of assets in the economy respond by less than they could. Alberto Polo.

Policies 110

Policies United States Marketing US 110

Abrigo

NOVEMBER 13, 2024

Bank and credit union leaders can use data to inform small business lending Small businesses are showing resilience. As rates stay high, concerns about credit risk and borrower health are top of mind for bank and credit union leaders, especially as it relates to lending to small businesses. Interest coverage ratios have stayed strong.

Lending 195

Lending Meeting Data Risk Management 195

BankUnderground

NOVEMBER 16, 2020

This post summarises the key literature on the immediate monetary policy response to the shock, including both tools and short to medium-term strategy issues (but leaving aside the longer-term question of fiscal-monetary interactions). Richard Harrison, Kate Reinold and Rana Sajedi. Demand vs supply shocks. Tool choice and efficacy.

Policies 120

Policies Strategy Tools Maine 120

BankUnderground

AUGUST 17, 2021

There is ample evidence that a monetary policy tightening triggers a decline in consumer price inflation and a simultaneous contraction in investment and consumption (eg Erceg and Levin (2006) and Monacelli (2009) ). Chart 1 shows the impulse responses to an unexpected rise in the policy rate.

Policies 115

Policies Capital Comparison Marketing 115

PYMNTS

JANUARY 28, 2021

Though traditional financial institutions have faced a surge in market pressure to digitize as new FinTech competitors emerge, there are still plenty of areas in which banks hold the upper hand, commercial lending included. But an overwhelming surge in demand painfully exposed traditional banks' biggest shortcomings in business lending.

Lending 164

Lending Fintech Operations Software 164

PYMNTS

JANUARY 30, 2020

29) that lending to euro zone companies fell to a two-year low at the end of last year as bank loans to households grew, according to Reuters. The ECB data showed that lending to non-financial corporations fell to 3.2 On the other hand, household lending rose from 3.5 percent to 3.7 percent, the highest numbers in over a decade.

Lending 130

Lending Data Policies Company 130

BankUnderground

MAY 26, 2020

How does the transmission of monetary policy depend on the distribution of debt in the economy? Our findings also suggest that the overall impact of monetary policy partly depends on the behaviour of house prices, and might not be symmetric for interest rate rises and falls. State-Contingent Monetary Policy. From Micro to Macro.

Policies 106

Policies US Exercises Data 106

South State Correspondent

JULY 17, 2022

Why Use Swaps, Caps, Floors, and Collars in Lending. A cap, floor, or collar is purchased as an insurance policy that is better not used. Just like a homeowner may be relieved but not happy to have to claim on a home fire policy, a cap or floor purchaser is always economically ahead if the cap or floor expires worthless.

Lending 195

Lending Marketing Examples Policies 195

BankUnderground

JUNE 9, 2021

‘Zombie lending’ occurs when a lender supports an otherwise insolvent borrower through forbearance measures such as repayment holidays and temporary interest-only loans. In a recent paper , I examine whether these lending practices contributed to the subsequent low output experienced by the euro area. Belinda Tracey.

Lending 141

Lending Capital Policies Exercises 141