Management, Policies and Risk Management

CRE risk management: Navigating hazards and opportunities

Abrigo

DECEMBER 18, 2023

Stress testing, monitoring are essential Financial institutions should challenge assumptions about CRE risk while also watching for red flags as they manage the CRE portfolio. Bankers should examine warning signs and shore up defenses for existing income-producing CRE loans as part of commercial property loan risk management.

Risk Management

Risk Management Management Lending Capital

Model Risk Management: Regulatory Priorities and Best Practices

Abrigo

MAY 20, 2022

Meet Model Risk Management Expectations Updates to the FDIC Risk Management Manual should steer institutions toward a model that manages risk and drives growth. Takeaway 1 Aside from meeting examiner expectations, proper model risk management can protect your institution from unnecessary risk. .

Risk Management

Risk Management Management FDIC Meeting

Best practices for credit risk management in uncertain times

Abrigo

OCTOBER 14, 2022

Fortify your credit risk management framework How to prepare your organization for scrutiny of its credit risk management practices during your next exam or review. . You might also like this whitepaper, "Stress Testing: Managing Capital Levels and Credit Risk." keep me informed. Know your limits.

Risk Management

Risk Management Management Policies Lending

Effective model risk management and model validation in banking

Abrigo

AUGUST 1, 2022

Best practices for assessing models and managing risk Sound model development, implementation, use, and validation is especially important as CECL models debut. . What are model risk management and model validation? It establishes three elements that comprise an appropriate model risk management framework: 1.

Risk Management

Risk Management Management Regulation Analysis

Cyber Complications for Vendor Risk Management

Abrigo

OCTOBER 21, 2019

Cybersecurity | 4 minute read Key Takeaways Third-party/vendor risk management is becoming increasingly challenging with more cloud-based providers. On top of initial vendor due diligence, there are ongoing, systematic approaches to managing third-party relationships. . Cyber Due Diligence. This is a big misconception.

Risk Management

Risk Management Management Lending Fraud

Loan review – A crucial component of risk management

Abrigo

JUNE 8, 2017

To ensure that underwriting and portfolio management satisfy regulatory expectations as well as industry best practices 2. To provide bank management and the board with an objective assessment of credit quality and ongoing portfolio management 3. The beginning of all risk in the portfolio is with loan origination.

Risk Management

Risk Management Management Policies Lending

Cyber Complications for Vendor Risk Management

Abrigo

OCTOBER 23, 2019

In a marketplace where data is shared and distributed at record speeds, third-party or vendor risk management is a challenge for most businesses. This movement to the cloud requires a robust vendor due diligence process and rigorous ongoing third party management that includes a focus on cybersecurity controls.

Risk Management

Risk Management Management Security Lending

Interest rate risk management in a rising rate environment

Abrigo

MARCH 21, 2023

You might also like this video on managing interest rate risk. WATCH Takeaway 1 Earning more income and mitigating interest rate risk isn’t as simple as charging higher rates on loans and earning higher rates on the investment portfolio. Stay up to date with Abrigo advisors' ideas for managing interest rate risk.

Risk Management

Risk Management Management Strategy Lending

Supervisor focus: Credit risk management, stress testing

Abrigo

MAY 19, 2016

Monitoring credit risk management, interest rate risk and banks’ ability to stress test loans affected by low oil prices are among the priorities for supervisors at the Office of the Comptroller of the Currency (OCC) these days, according to the agency’s recent mid-year status report on its operating plan.

Risk Management

Risk Management Management Analysis Resources

Managing risk in MBL: Best practices and comprehensive strategies for credit risk management

Abrigo

FEBRUARY 18, 2017

The purpose of the new rule is to give credit unions more flexibility to implement principle-based risk management processes and policies. This means it’s important that credit unions reevaluate their risk management strategies. Also consider how long they have banked with the institution.

Risk Management

Risk Management Management Strategy Lending

2025 Credit portfolio risk and balance-sheet management outlook

Abrigo

DECEMBER 20, 2024

Likely trends are shaped by a dynamic rate environment The top issues facing executives managing credit portfolio risk and the balance sheet at financial institutions are shaped largely by the dynamic rate environment, according to Abrigos outlook for major trends in the year ahead.

Management

Management Risk Management Trends Lending

Password protection best practices for lending and risk management solutions

Abrigo

OCTOBER 26, 2016

Across personal and professional platforms, bankers have experience with managing passwords to online services. Yet given the confidential nature of data often stored in web-based lending, credit risk and portfolio risk solutions, bankers have to pay special attention to potential weaknesses in password management.

Risk Management

Risk Management Management Lending Handbook

Food for Thought: A Policy on Credit Exceptions

Abrigo

SEPTEMBER 5, 2023

When and how to cite credit exceptions A policy on credit exceptions can address many factors that can lead financial institutions to diverge from loan policy and miss signs of potential trouble. You might also like these on-demand webinars on tackling common credit risk questions.

Policies

Policies Lending Risk Management Examples

Preparing your financial institution to manage loan workouts, loan modifications

Abrigo

OCTOBER 28, 2022

Managing loan workouts and modifications Tips for preparing your bank or credit union to handle an increased volume of problem loans while ensuring prudent credit risk management. You might also like this video, "A look at credit risk in a rising-rate environment." Signs of increased activity ahead. Watch webinar.

Management

Management Risk Management Policies Lending

5 Traits of the ideal credit manager

Abrigo

MAY 27, 2022

What Makes a Successful Credit Manager Focusing on these traits can only help you become a better credit manager at your financial institution. 5 Traits of the Ideal Credit Manager. Below are five traits integral to being a successful credit manager. Credit Risk Management. Lending & Credit Risk.

Management

Management Risk Management Analysis Lending

Risk management in the cloud: A strategic imperative

Insights on Business

JANUARY 3, 2019

To thwart cybercriminals and meet regulatory requirements while also managing costs, institutions should consider adopting a centrally managed platform and related services to create a consistent and scalable control framework. Three pillars of cyber risk management on the cloud.

Risk Management

Risk Management Management Regulation Guidelines

Esker Adds More Visibility, Risk Management To Supplier Solution

PYMNTS

JUNE 17, 2020

Esker , which specializes in artificial intelligence (AI)-driven process automation software, has launched a new supplier management solution in its procure-to-pay automation suite, which will help businesses manage and automate their supply chains, according to a press release.

Risk Management

Risk Management Management Policies Compliance

Create and Maintain an Effective Loan Policy

Abrigo

MAY 2, 2022

Confident Risk Management Begins with Sound Loan Policy A risk-based approach to loan policy can effectively improve your institution's profitability. You might also like this webinar on loan policy best practices. Loan policies make up the foundation for managing that credit risk. .

Policies

Policies Lending Regulation Examples

Bank exam “hot spot”: Inflating policy limits to avoid scrutiny

Abrigo

JUNE 23, 2017

The desire to avoid examiner scrutiny may tempt some financial institutions to set the bar high when it comes to credit and liquidity risk management policy limits, but regulators are discouraging this approach. Do established policy limits reflect true risk tolerance?

Policies

Policies Risk Management Survey FDIC

Member business lending: How to leverage MBL for credit union growth

Abrigo

FEBRUARY 6, 2024

Takeaway 3 The specific policy areas outlined below should be carefully considered by credit unions engaged in member business lending. In this blog post, we will delve into the strategies and policies credit unions can adopt to ensure the success and profitability of their MBL programs. Takeaway 2 Start slow.

Lending

Lending How To Risk Management Policies

AI Regulations for Financial Services: Federal Reserve

Perficient

NOVEMBER 8, 2024

While the FRB has not passed AI-specific regulations, a Chief AI Officer has been named, an AI policy approved, and a risk-based review of AI programs and activities has been established and findings will be published and shared with the public. Review process. Enforceability and penalties.

Regulation

Regulation Risk Management Policies Compliance

Managing real estate and construction lending risk

Abrigo

FEBRUARY 7, 2023

You might also like this webinar, "How to manage a high-performing construction loan portfolio." 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. Takeaway 2 Construction lending risk is unique.

Lending

Lending Management Risk Management Software

APIs, Data Analytics Bring Cash Flow Control To The Back Office

PYMNTS

JANUARY 18, 2021

There have also been shifts in how customers pay for goods and services, with s ocial distancing policies making contactless transactions essential and pushing consumers toward payment methods such as bank transfers and digital wallets. Each company’s risk management approach must therefore be tailored to its specific business needs.

Analytics

Analytics Data Risk Management Management

How Mobile Solutions May Help Address Slipping Corporate Travel Policy Compliance

PYMNTS

SEPTEMBER 13, 2017

The company surveyed corporate travel professionals across 19 markets in the Asia Pacific region, including professionals at travel management companies and agencies representing corporate travelers. In fact, 80 percent of travel managers surveyed told the company mobility is now their biggest priority.

Policies

Policies Compliance Mobile Survey

Coupa, American Express Team On Virtual Cards

PYMNTS

OCTOBER 19, 2020

Other benefits, the release says, include extended pre-approvals for card spend, better security when paying with virtual card technology and using the card payment cycle to better management working capital for buyers. Now, every transactional step in the business spend management process can be done smarter and simpler.".

Cards

Cards Risk Management Tools Policies

IBM in “Leaders” Quadrant of 2019 Gartner Magic Quadrant for IT Risk Management, fourth report in a row

Insights on Business

JULY 17, 2019

Our goal has always been to provide our customers with the tools and insights that help them meet their governance, risk and compliance (GRC) needs, and we do so, by leveraging the innovation of IBM within a single ecosystem. Digitalization brings along risks like IT security, Cybersecurity, etc. Learn more at ibm.com/RegTech.

Risk Management

Risk Management Management Report Compliance

Best Practices for Managing Credit Risk in Recession

Abrigo

AUGUST 5, 2020

Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Improving loan grading in a recession.

Management

Management Risk Management Trends Industry

Lending and credit risk resources: The top downloads of 2023

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

Resources Lending Risk Management Policies

The role of bank directors in managing risk

Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. Prudent oversight is rooted in the directors sending a clear message to staff that they value a strong risk management culture that includes a strong ethical culture,” the FDIC said. Evaluating risk management.

Management

Management FDIC Risk Management Community Bank

These resources on interest rate risk, liquidity, and CECL got the most downloads in 2023

Abrigo

DECEMBER 28, 2023

Top banking risk management papers and infographics Abrigo experts' insights on deposit pricing, stress testing, loan review, and CECL were popular with banking risk professionals. You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool." Here are the top resources.

Resources

Resources Risk Management eBook Strategy

IBM Announces Policy Lab To Help Ensure ‘Trustworthy’ Tech

PYMNTS

JANUARY 22, 2020

With the new IBM Policy Lab, IBM is looking to regulate artificial intelligence (AI) development in a way that is safe, but does not infringe upon the creation of new technology, reports said. The think tank will gather leaders in several fields — from public policy, academia, civil society and technology. The Policy Lab will be busy.

Policies

Policies Risk Management Regulation Innovation

A Guide to Fortify Your Institution Against Senior-Level Embezzlement Risks

Perficient

JANUARY 16, 2024

Background On October 19 th , 2023, the Office of the Comptroller of the Currency (OCC) published an article highlighting new enforcement actions and clarifying explicit rules regarding misconduct, particularly as it relates to financial abuse by senior-level management.

Compliance

Compliance Guidelines Policies Risk Management

Fraud and AML integration: Is the FRAML approach right for your financial institution?

Abrigo

NOVEMBER 22, 2024

This article covers these key topics: Benefits of FRAML for risk management Potential drawbacks of the FRAML approach Factors to consider in decision-making What is FRAML? At its core, FRAML is about taking a more holistic approach to financial crime risk management. Staying on top of fraud is a full-time job.

Fraud

Fraud Training Risk Management Compliance

Shared AML case management: Optimizing your AML/CFT program

Abrigo

SEPTEMBER 30, 2024

DOWNLOAD Takeaway 1 Shared AML case management helps streamline processes, reduce duplication, and improve communication between fraud and AML/CFT teams. Takeaway 2 When insights from fraud and AML teams are combined, the institution can connect the dots faster and with more accuracy, resulting in quicker resolutions and reduced risk.

Management

Management Fraud Software Compliance

Optimizing small business lending: Best practices and strategies

Abrigo

MAY 2, 2024

DOWNLOAD Takeaway 1 Your loan policy sets the tone for the institution's approach to risk appetite, risk tolerance, lending philosophy, and organization of the lending function. Policies and procedures Importance of loan policy When it comes to small business lending, the importance of a bank's loan policy cannot be overstated.

Lending

Lending Strategy Analysis Policies

The top lending & credit risk blogs of the year

Abrigo

DECEMBER 22, 2023

Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings. They’ve also focused on managing interest rate risk in a rising rate environment. Reduce operating cost while ensuring loan policy consistency.

Lending

Lending Risk Management Community Management

ALM 101: Introduction to Asset/Liability Management-Part 4: Liquidity Risk

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. ALM 101: Introduction to Asset/Liability Management. Defining Liquidity.

Management

Management Meeting Risk Management Operations

ALM 101: Introduction to Asset/Liability Management – Part 1: ALM Goals & Approaches

Abrigo

JANUARY 11, 2022

Asset/liability management basics In part 1 of this "Introduction to ALM" blog series, learn the goals of asset/liability management and how it can help financial institutions. You might also like this webinar, "ALM Basics: Best Practices in Measuring, Monitoring, and Controlling Interest Rate Risk" WATCH. The ALM Basics.

Management

Management Meeting Capital Strategy

Essential liquidity and interest rate risk questions for ALCOs

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

Risk Management Regulation Policies Management

Credit administration department housekeeping: Practical steps for improvement

Abrigo

FEBRUARY 16, 2024

Takeaway 2 With proper planning and effective strategies, the scheduling process can be made more manageable at your financial institution. Takeaway 3 Credit analysts need training to understand the working capital cycle, look for hidden risks, and be aware of accounting changes. Get details in "A guide to implementing credit policy."

Training

Training Risk Management Analysis Policies

Abrigo Lending Insights: Current interest rate trends for banks and credit unions

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 (..)

Lending

Lending Trends Risk Management Data

9 “hot spot” issues examiners see at banks with CRE loans

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. Image credit: Benjamin Child via Unsplash.

FDIC

FDIC Risk Management Analysis Lending

Loan covenants refresher: What, when, why & how

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. They also give the lender tools to monitor and manage the situation.

Risk Management

Risk Management Lending Policies Management

Safeguarding new banking products from fraud

Abrigo

JANUARY 22, 2024

Takeaway 2 Examiners' focus is on risk management related to products and services , especially those involving complex technologies like AI. First, they must evaluate whether their institution is prepared to insert AML risk management procedures into the transaction process to match the speed FedNow can offer.

Fraud

Fraud Risk Management Training Software

CRE risk management: Navigating hazards and opportunities

Model Risk Management: Regulatory Priorities and Best Practices

Trending Sources

Best practices for credit risk management in uncertain times

Effective model risk management and model validation in banking

Cyber Complications for Vendor Risk Management

Loan review – A crucial component of risk management

Cyber Complications for Vendor Risk Management

Interest rate risk management in a rising rate environment

Supervisor focus: Credit risk management, stress testing

Managing risk in MBL: Best practices and comprehensive strategies for credit risk management

2025 Credit portfolio risk and balance-sheet management outlook

Password protection best practices for lending and risk management solutions

Food for Thought: A Policy on Credit Exceptions

Preparing your financial institution to manage loan workouts, loan modifications

5 Traits of the ideal credit manager

Risk management in the cloud: A strategic imperative

Esker Adds More Visibility, Risk Management To Supplier Solution

Create and Maintain an Effective Loan Policy

Bank exam “hot spot”: Inflating policy limits to avoid scrutiny

Member business lending: How to leverage MBL for credit union growth

AI Regulations for Financial Services: Federal Reserve

Managing real estate and construction lending risk

APIs, Data Analytics Bring Cash Flow Control To The Back Office

How Mobile Solutions May Help Address Slipping Corporate Travel Policy Compliance

Coupa, American Express Team On Virtual Cards

IBM in “Leaders” Quadrant of 2019 Gartner Magic Quadrant for IT Risk Management, fourth report in a row

Best Practices for Managing Credit Risk in Recession

Lending and credit risk resources: The top downloads of 2023

The role of bank directors in managing risk

These resources on interest rate risk, liquidity, and CECL got the most downloads in 2023

IBM Announces Policy Lab To Help Ensure ‘Trustworthy’ Tech

A Guide to Fortify Your Institution Against Senior-Level Embezzlement Risks

Fraud and AML integration: Is the FRAML approach right for your financial institution?

Shared AML case management: Optimizing your AML/CFT program

Optimizing small business lending: Best practices and strategies

The top lending & credit risk blogs of the year

ALM 101: Introduction to Asset/Liability Management-Part 4: Liquidity Risk

ALM 101: Introduction to Asset/Liability Management – Part 1: ALM Goals & Approaches

Essential liquidity and interest rate risk questions for ALCOs

Credit administration department housekeeping: Practical steps for improvement

Abrigo Lending Insights: Current interest rate trends for banks and credit unions

9 “hot spot” issues examiners see at banks with CRE loans

Loan covenants refresher: What, when, why & how

Safeguarding new banking products from fraud

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