South State Correspondent

NOVEMBER 20, 2024

In this article, we will touch on innovation, technology and banking strategy to show why banks tends to overemphasize ease, familiarity and convenience instead doing the difficult task upfront that will ultimately keep things simple. Relying on your core system for a strategy, might be easy, but it also might be complex.

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Abrigo

MAY 2, 2024

Boost your small business lending efforts from the bottom up Small businesses play a crucial role in our economy, and one of the critical factors in their success is access to funding. You might also like this guide for smarter, faster small business lending.

Lending 221

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Bank Innovation

DECEMBER 30, 2019

Digital lenders will continue to pursue product diversification strategies as companies expand market share in the coming years, research from S&P Global Market Intelligence concluded. Digital Lending Market Report. Term loans and […].

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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.

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Abrigo

SEPTEMBER 17, 2024

You might also like this on-demand webinar, "Navigating uncertain times: Strategies for effective risk management and compliance." WATCH Takeaway 1 As financial institutions anticipate rate cuts, many are questioning how to structure their lending and ALM strategies accordingly.

Strategy 221

Strategy Risk Management Lending Management 221

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.

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Abrigo

AUGUST 30, 2022

Expanding the commercial loan portfolio in today's market With the right strategies, banks and credit unions can expand their commercial loan portfolios successfully. You might also like this webinar on commercial lending strategy. Commercial growth strategies. Knowing the why. Listen now.

Strategy 195

Strategy Lending Risk Management Analysis 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. Register Takeaway 1 Credit unions developing or tightening up an existing MBL strategy should start by engaging the board of directors to outline goals.

Lending 221

Lending How To Risk Management Policies 221

Bank Innovation

FEBRUARY 27, 2020

An update to Square’s credit risk model for its Square Capital commercial lending product — first disclosed yesterday — was “a key driver of Capital’s outperformance in the fourth quarter,” the company said. The advancement of Capital is key for Square as it continues to grow the fast-growing — and lucrative — lending product.

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Abrigo

SEPTEMBER 23, 2024

Visualize your data, access benchmarks, and streamline reporting learn more talk with an expert Webinar Commercial Lending Credit Risk Management Lending & Credit Risk When good loans go bad: Managing problem and distressed loans Learn More Webinar Commercial Lending Lending & Credit Risk Small Business Lending Answering your top CFPB 1071 (..)

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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.

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Abrigo

FEBRUARY 12, 2025

Understand and meet borrower expectations For community financial institutions (CFIs), small business lending presents both a challenge and an opportunity. Understanding what small businesses need from a lending partner is the first step in improving loan decisioning. According to Kirby, speed is the top priority.

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Bank Innovation

JANUARY 31, 2020

Aside from operations and strategy, one of the biggest reasons is limited funding or lack of timely cash flow. A staggering 90% of small- to medium-sized enterprises fail. This is no surprise given that 72% of SME loans are rejected; it takes three months for SME borrowers to get their cash; and still 52% of […].

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Abrigo

FEBRUARY 26, 2025

Strategies to help banks attract new deposits Banks and credit unions planning for 2025 agree that attracting and retaining deposits remains a top priority. To succeed, banks must carefully balance competitive offerings with cost control while leveraging technology and relationship-building strategies to attract new deposits.

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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

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. Watch NOW Takeaway 1 Abrigo's experts produced many pieces on lending and credit risk to provide strategies and tools to help banking professionals.

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Resources Lending Risk Management Policies 221

Bank Innovation

SEPTEMBER 6, 2017

EXCLUSIVE – Traditional banks cannot afford to ignore fintechs. What started out as a nascent subsect of the broader financial space is now at the forefront of how people bank. The impact of fintechs on how people bank has not gone unnoticed by The Royal Bank of Scotland, who over the past 18 months under […].

Innovation Strategies 354

Innovation Strategies Strategy Innovation Fintech 354

Abrigo

OCTOBER 21, 2024

How financial institutions deal with problem loans Problem loans are a natural outcome of the risks banks and credit unions take when lending, and they should be expected over the long run during the ups and downs of the business cycle. Request a 13-week cash budget and/or a go-forward budget from the borrower.

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South State Correspondent

APRIL 18, 2023

This article shares a simple strategy a successful lender (Linda N.) We saw how Linda used her relationship strategy to increase her relationship banking skills, connections, and success rate. We have shared this strategy with other lenders who have used it successfully to increase loan booking rates and portfolio profitability.

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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.

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Lending Kansas City Kansas Resources 195

Perficient

MARCH 17, 2025

Recommended Approach : To fully harness the potential of AI , financial institutions should prioritize improving their data strategy, ensuring high-quality, reliable, and trustworthy data. Recommended Approach: To capitalize on the rise of embedded finance , financial institutions should focus on several key strategies.

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South State Correspondent

OCTOBER 30, 2024

We believe that every community bank needs to focus on the drivers of performance and adjust their strategy so that customer-facing employees maximize their potential and drive more revenue and income to the bank. Better lenders and deposit takers are generating more revenue and more income per employee.

Community Bank 195

Community Bank Community Management Operations 195

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. Has Special Servicing developed its loss mitigation strategy?

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South State Correspondent

NOVEMBER 18, 2024

The current policy directions from the new administration are largely inflationary, and community banks should be paying attention and consider a loan-level hedge strategy. Hedge Strategy Adoption Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased over the last ten years.

Strategy 195

Strategy Community Bank Community FDIC 195

PYMNTS

JANUARY 8, 2021

As Eiriz explained, the small business lending community has the opportunity, and perhaps even the obligation, to embrace collaboration and dig deeper into the entrepreneurial community in order to best serve SMBs and support the broader economy. "There is this feeling of an unsure future right now," she recently told PYMNTS.

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Abrigo

JULY 14, 2023

Takeaway 3 What periodic monitoring of performance against strategy will provide the best gauge of whether the strategy is working? Finally, periodically assessing performance against institutional strategies creates a method for measuring success so leaders can pivot or seek more insight before plans get off track.

Strategy 195

Strategy Data Analytics Analysis 195

Abrigo

JANUARY 17, 2023

Automating SMB and commercial lending elevates your customer's experience From making it easier to apply to speeding up loan closings, automation can helps make business lending customers and staff happier. You might also like this on-demand webinar, "Strategies to grow your commercial loan portfolio." Digital lending.

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South State Correspondent

FEBRUARY 26, 2025

National and regional banks heavily emphasize this strategy when competing against community banks and credit unions in the hopes of a competitive differentiator. However, hundreds of community banks are now using this same strategy to retain existing clients, win new business, reduce risk, and increase fee income.

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Abrigo

DECEMBER 20, 2024

On the lending side, loan rates are expected to follow prime rates down, but the spread over prime may remain higher due to lingering credit risk concerns. Risks in multifamily CRE lending remain elevated, particularly in the luxury segment. Others will reassess their strategies around CRE exposures.

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Abrigo

JANUARY 27, 2022

Higher Fed Rates Ahead: Plan Now to Manage Impact on Deposits The Fed's signal of higher interest rates reiterates the importance of financial institution ALM and deposit management strategies, policies, and programs. . What’s your deposit management strategy? Deposit Pricing Strategy. Lending & Credit Risk.

Strategy 195

Strategy Management Policies Lending 195

Abrigo

FEBRUARY 20, 2025

Instead, an AI strategy that focuses on making staff more effective can create competitive advantages to allow some banks and credit unions to punch above their weight. Only an AI strategy that targets fundamentally transforming processes will help banks capture the technologys full benefits. Start by completely rethinking workflows.

Strategy 195

Strategy Compliance Data Tools 195

Abrigo

NOVEMBER 14, 2024

Key topics covered in this post: AML/CFT strategies to prevent BSA enforcement actions The importance of internal controls and building a culture of compliance. Key strategies to prevent BSA enforcement actions To prevent BSA enforcement actions, banks must prioritize proactive compliance measures.

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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.

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