South State Correspondent

MAY 15, 2024

The thinking is that diversification-induced lending leads to banking resiliency. We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify.

Community Bank 195

Community Bank Community Lending Study 195

PYMNTS

JUNE 10, 2019

The Financial Stability Board says Basel III rules have not led to a squeeze of the small business bank lending market, according to reports on Friday (June 7). The FSB announced Friday the findings of its analysis of Basel III regulations on the small business lending space.

Lending 100

Lending Capital Regulation Survey 100

Abrigo

SEPTEMBER 7, 2023

Adapt to a dynamic banking environment with real-time lending & credit data Lender dashboards and reports showing the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, etc. Ironically, data for making lending and credit decisions for the financial institution can also be one of the toughest assets to harness.

Report 195

Report Lending Trends Data 195

PYMNTS

AUGUST 16, 2019

Reports said the watchdog is focusing on the Chinese bank’s corporate lending operations, with unnamed sources telling the FT that the probe will include a look into HNA and Zhonghong Zhuoya and their borrowing activities with the bank.

Lending 148

Lending Regulation Operations Analysis 148

PYMNTS

FEBRUARY 16, 2018

Amid the talk of filling in the small business (SMB) financing gap banks have left since the financial crisis, the rush of FinTechs, alternative and marketplace lenders coming to market may have left another business segment behind: the middle market, particularly the lower middle market.

Lending 101

Lending Marketing Analytics Capital 101

Abrigo

FEBRUARY 16, 2024

It's about ensuring that every aspect of your lending operation is optimized for efficiency and effectiveness. Assign clear responsibilities and establish accountability at all levels—from mechanics and calculations to analysis of covenant breaches. Talk to a specialist to learn more.

Training 195

Training Risk Management Analysis Policies 195

PYMNTS

DECEMBER 30, 2019

30) said a lack of regulation in the online SMB lending arena is raising concerns over sky-high fees and interest rates, sparking a bigger conversation about expanding borrower protections beyond consumers. The highest seen in the analysis was 358 percent. But recent reports in the Wall Street Journal Monday (Dec.

Lending 131

Lending Online California New York 131

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. You might also like this report on commercial loan automation systems DOWNLOAD. Definition of LOS.

System 338

System Lending Software Analysis 338

Perficient

MARCH 3, 2022

The Office of the Comptroller of the Currency (OCC) recently released the economic and financial market scenarios that will be used in the upcoming stress tests for covered institutions. As repeated by federal bank regulators, the required economic scenarios are not forecasts. The 3-month Treasury rate increases from 0 percent to 1.5%

Capital 294

Capital Regulation Exercises United States 294

Abrigo

AUGUST 2, 2023

Takeaway 3 Financial institution management can focus on mitigating risk and understanding portfolio dynamics when the analysis is streamlined. The scrutiny is understandable, given financial institutions’ exposure to commercial real estate and current economic and market forces. estimates $1.45

Report 195

Report Risk Management Lending Analysis 195

South State Correspondent

MAY 9, 2023

The regulators are considering three options: raising the limit above $250k, raising the cap for only certain accounts (such as banks’ business accounts), or eliminating the cap entirely. We believe any change to the FDIC insurance coverage should aim to maintain and advance our credit markets. economy needs.

FDIC 195

FDIC Regulation Capital Management 195

Perficient

FEBRUARY 29, 2024

Banking institutions are responding by integrating advanced technologies, particularly artificial intelligence and data analytics, into their lending operations to enhance efficiency and adaptability. Facilitation of embedded lending while ensuring compliance: Embedded finance initiatives must adhere to regulatory requirements.

Trends 221

Trends Industry Analytics Compliance 221

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. Market conditions. Current rate and market conditions. This type of analysis (e.g.

Strategy 195

Strategy Lending Risk Management Analysis 195

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. Learn More.

Lending 195

Lending How To FDIC Survey 195

PYMNTS

SEPTEMBER 25, 2017

Australia is now the Asia Pacific region’s second-largest alternative finance market, largely due to a favorable regulatory climate, according to new KPMG analysis. The Australian market is quickly becoming a hotbed of alternative lending , and new analysis from KPMG suggests it has risen up in the ranks.

Lending 100

Lending Regional Analysis Survey 100

Abrigo

DECEMBER 14, 2023

In a banking landscape that is constantly changing with new regulations, increasing competition, and other new challenges, it is critical to maximize your strategic plan's effectiveness. Here are some sample questions: What specific insights do you have for the next year in our market? Every stakeholder should be on board.

Lending 221

Lending Risk Management Meeting Survey 221

BankUnderground

SEPTEMBER 14, 2023

Yuliya Baranova, Eleanor Holbrook, David MacDonald, William Rawstorne, Nicholas Vause and Georgia Waddington The functioning of major government bond and related repo markets has deteriorated on several occasions in recent years as trading demand has overwhelmed dealers’ intermediation capacity.

Marketing 99

Marketing Policies Capital Georgia 99

Abrigo

DECEMBER 22, 2023

Abrigo's most popular risk management blogs over the last 12 months cover topics that continue to catch the attention of professionals and regulators. Probability of default and how it's used for expected loss Probability of Default/Loss Given Default analysis is a method used by larger institutions to calculate expected loss.

Risk Management 221

Risk Management Regulation Management Lending 221

CFPB Monitor

OCTOBER 25, 2022

As a participant in the indirect auto finance market, Rhinebeck provides auto financing through auto dealers and has no direct interaction with consumers during the financing application process. Fourth, disparate impact analysis is often performed on an assignee level rather than on a dealer-by-dealer basis.

New York 78

New York Lending Community Bank Community 78

South State Correspondent

APRIL 15, 2024

This may lead to stickier inflation and higher interest rates versus market expectations. World-wide remilitarization, reduced globalization, the transition to green economy may also act to keep inflation higher than the market expects. The bank holds the #1 market share for multifamily lending.

Community 195

Community Community Bank Leadership America 195

PYMNTS

NOVEMBER 26, 2018

Small businesses (SMBs) in China are struggling to access bank loans with large, state-owned corporations, according to recent analysis from French trade credit insurer Coface , reported CNBC. That, combined with ballooning debt and ongoing trade disputes with the U.S.,

Lending 129

Lending Analysis Resources Policies 129

Abrigo

APRIL 21, 2023

Focus loan reviews on risk in the portfolio Continuous loan review monitoring helps banks and credit unions ensure credit review systems support safe and sound lending. discussed how they use continuous monitoring in their efforts to ensure safe and sound lending practices.

Lending 195

Lending Risk Management Software System 195

Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. Anxiety, anxiety, anxiety.

Lending 60

Lending Regulation Community Community Bank 60

PYMNTS

APRIL 29, 2019

Plus, there is new evidence that the middle-market business community fared particularly well in the first quarter. percent drop in revenue among micro-enterprises dims the overall sentiment among SMBs, and presents a stark contrast to the mid-market’s performance for Q1. Beyond the U.S., percent during the first quarter.

Lending 168

Lending Michigan Community National 168

PYMNTS

JULY 13, 2018

Reports in Bloomberg on Thursday (July 12) said the junk bonds and leveraged loans market is worth $2.3 trillion, and competition is rising as regulators slowly ease restrictions on banks’ corporate lending practices. Bloomberg said less-regulated regulators saw sharp increases in their share of new U.S.

Marketing 100

Marketing Regulation Dallas Retail 100

CFPB Monitor

JUNE 14, 2021

Two leaders of the CFPB’s Fair Lending Office – Patrick Ficklin, Fair Lending Director, and Charles Nier, Senior Fair Lending Counsel – recently published an article advocating for broader use of special purpose credit programs (“SPCPs”) by creditors.

Lending 78

Lending Regulation Study Washington 78

PYMNTS

APRIL 13, 2018

The Association for Financial Markets (AFME) in Europe wants regulators to curb the development of aggressive bank regulation, according to Reuters reports on Thursday (April 12). Regulation is also linked to a decline in profitability among the banks between 2010 and 2016, the report found.

Report 108

Report Lending Regulation Study 108

Abrigo

OCTOBER 14, 2022

Takeaway 3 Utilize regulatory guidance to understand regulators' expectations, which are likely to include consistent stress testing. So how can banks help customers keep up in uncertain markets? Get to know regulator expectations and priorities. Have a playbook.

Risk Management 195

Risk Management Management Policies Lending 195

PYMNTS

APRIL 17, 2018

Interest rates plummeted as the Fed held the federal funds rate at zero in the hopes of stimulating lending in an environment where credit went from dangerously free-flowing to dangerously non-existent in the span of a few months. People are buying houses such that there is now a supply shortage in the market. economy.

Lending 137

Lending Examples America Metro 137

Abrigo

JULY 14, 2023

For example, say your management and board’s strategy for the upcoming year is to grow the CRE loan portfolio by 10%, and the institution needs to consider expanding into new markets to achieve this goal. This analysis will identify CRE types where the institution may be already bumping up against its in-house policy concentration limits.

Strategy 195

Strategy Data Analytics Analysis 195

CFPB Monitor

SEPTEMBER 14, 2020

The report discusses the Bureau’s examinations in the areas of consumer reporting, debt collection, deposits, fair lending, mortgage servicing, and payday lending that were completed between September 2019 and December 2019. Violations of Regulation E requirements regarding qualifying notices of EFTA errors. Fair lending.

Lending 78

Lending Report Regulation Exercises 78

Abrigo

MAY 2, 2022

Takeaway 3 Minor inconsistencies between policy and loan portfolio can be a red flag to regulators, so careful review is key. . Your policy should include what type of loans you are actively seeking and what loans you don’t have an appetite for so regulators understand your institution’s direction.

Policies 195

Policies Lending Regulation Examples 195

Abrigo

FEBRUARY 24, 2022

Takeaway 1 Interest rate risk for financial institutions is the risk that earnings and market value may decline as market interest rates change. . Takeaway 3 Two methods of measuring short-term interest rate risk are a gap analysis and, more commonly, an income simulation. Earnings at Risk.

Management 195

Management Analysis Strategy Policies 195

PYMNTS

AUGUST 4, 2016

The alternative lending space is crowded — oversaturated, some may say — and in the U.S. regulation is likely headed its way. marketplace lender OnDeck, alternative lending is likely to be mainstream in Australia as soon as the end of the decade. “This is transforming the credit risk analysis process. .

Lending 100

Lending Regulation Data Payments 100

CFPB Monitor

APRIL 7, 2022

The issues described in the report consist of the following: Regulation E liability protections. The bank, as the account holding institution, was held responsible under Regulation E. Fair lending. When a MPP entered into an agreement with a consumer, the agreement extended to the bank holding the consumer’s account.

FDIC 78

FDIC Compliance Lending Regulation 78

South State Correspondent

APRIL 30, 2024

Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model. We witness over and over how some banks get themselves in deeper trouble booking derivatives on their books that are bets on market interest rate movements.

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model. We witness over and over how some banks get themselves in deeper trouble booking derivatives on their books that are bets on market interest rate movements.

Community Bank 195

Community Bank FDIC Community National 195