Abrigo

FEBRUARY 6, 2024

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. However, with opportunities come inherent risks. Get ready for the next credit cycle with credit department housekeeping tips from this webinar.

Lending 221

Lending How To Risk Management Policies 221

Abrigo

JULY 25, 2017

In a recent Sageworks webinar Robert Ashbaugh, senior risk management consultant at Sageworks, discusses High Volatility Commercial Real Estate (HVCRE) lending best practices. These caps were 100% of capital for construction loans, and 300% for all investor CRE. How did we get here? What are HVCRE loans?

Risk Management 150

Risk Management Management Capital Lending 150

Abrigo

AUGUST 16, 2016

Greater than 81% of the 595 bankers who replied said that they expect the largest impact will be seen in the capital reserve levels, disclosure criteria and the involvement in the calculation across departments within the institution. For more information or to register, visit the Risk Management Summit webpage.

Risk Management 150

Risk Management Management Analysis Analytics 150

Abrigo

DECEMBER 23, 2022

Blog posts to help your asset/liability management (ALM) staff strategize for the future These ALM posts were the most popular in 2022. Our top ten blogs were created by Abrigo's team, which includes former bankers, regulators, and industry experts. Read for a review of methods FIs use to measure short-term risk.

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Resources Risk Management Study Strategy 195

Abrigo

JULY 19, 2016

The 2016 Risk Management Summit features experts from the American Bankers Association, CliftonLarsonAllen, Crowe Horwath, Grant Thornton, KPMG, and Promontory Financial Group, among others. This September, Tom will deliver an address full of energy, humor and wisdom to help guide leaders on how to fully capitalize on times of change.

Risk Management 150

Risk Management Management Analysis New York 150

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.

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Analysis Industry Risk Management Lending 195

Abrigo

JULY 1, 2015

A segmentation strategy, though, is a great place to start to nail down an effective and efficient process – not only will it serve a substantial purpose for the ALLL, but also as a larger risk management tool. Borrowers in a segment generally exhibit similar financial characteristics such as capital sources and/or repayment sources.

Risk Management 150

Risk Management Management Strategy Lending 150

Abrigo

SEPTEMBER 10, 2015

But at the same time, it’s going to mean a broader spectrum of risk, and credit unions need to make certain they have the appropriate risk management framework in place to be ready for that.” Credit unions should be able to take on more risk and in theory, improve yields or returns.

Risk Management 150

Risk Management Lending Management Resources 150

Abrigo

MAY 2, 2024

In this blog, we will explore best practices and strategies for small business lending. By the end of this blog, you'll have a comprehensive understanding of how to optimize small business lending within your financial institution. This structure ensures that the lending process is efficient and follows a standardized approach.

Lending 221

Lending Strategy Analysis Policies 221

Abrigo

NOVEMBER 8, 2019

Stress Testing | 7 minute read Key Takeaways Stress testing is an important component of sound risk management. Top down and bottom up analysis can inform capital assessments. Stress testing provides banks and credit unions with a unique opportunity to better manage their institution’s financial performance. .

Lending 150

Lending Risk Management Analysis Capital 150

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." Loan performance since 2020 Chart 2. Watch webinar.

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Management Risk Management Policies Lending 195

Abrigo

DECEMBER 14, 2023

In the CRE example, this might mean considering the plan’s effect on capital or overall interest rate. Learn to identify emerging CRE credit risk red flags. Learn to identify emerging CRE credit risk red flags. Make sure you have considered the plan from all angles before moving on to planning its implementation.

Lending 221

Lending Risk Management Meeting Survey 221

Abrigo

JANUARY 24, 2024

The rapidly increasing interest rates in 2023 led to publicly traded banks with more than $20 billion in assets having tangible common equity ratios (adjusted for fair value adjustments on held-to-maturity instruments such as loans) of less than 3% as of September 30, 2023, according to S&P Capital IQ. Should we panic?

FDIC 195

FDIC Regulation Strategy Data 195

Abrigo

JANUARY 28, 2016

The following is an excerpt from the Sageworks whitepaper "Optimizing Capital: Challenges and Opportunities for Financial Institutions". Internal challenges Top management will be familiar with many of the internal challenges. Capital is critical for managing both sides of the financials of the bank—income statement and balance sheet.

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Capital Texas Risk Management Management 150

Abrigo

JUNE 11, 2021

Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness. Would you like other articles on asset/liability management in your inbox? FDIC) noted in its 2021 Risk Review. Measure long-term interest rate risk. EVE Analysis.

How To 195

How To Risk Management Analysis Kansas City 195

Abrigo

MARCH 21, 2024

It clarifies the combined entity's pro forma capitalization and value proposition, ensuring the merger aligns with strategic goals. A thorough understanding of the to-be-acquired credit union’s enterprise value guides credit unions in making well-informed merger decisions.

Lending 221

Lending Analysis Exercises Risk Management 221

Abrigo

SEPTEMBER 7, 2023

Having dashboards or banking management reports that show the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, and other factors affecting loan growth can help a bank or credit union stay on top of and adapt quickly to trends. The institution can more easily capitalize on opportunities and avoid unnecessary risk.

Report 195

Report Lending Trends Data 195

Abrigo

MARCH 6, 2015

Yesterday the Federal Reserve announced how “the big banks” fared on their annual stress tests (The Wall Street Journal’s Briefly blog offers what to know and what is relevant about the exams). During examination time, regulators are increasingly looking at a bank’s stress testing processes and resulting capital plans.

Risk Management 150

Risk Management Capital Community Bank Regulation 150

Abrigo

AUGUST 30, 2022

Risk management. Keys to mitigating risk. Any financial institution looking to grow the commercial loan portfolio should keep in mind that proper credit risk management remains critical. Lending & Credit Risk. Lending & Credit Risk. Credit Risk Management. Keep me informed.

Strategy 195

Strategy Lending Risk Management Analysis 195

FICO

DECEMBER 8, 2022

Addressing Portfolio Risk in Economic Uncertainty: Part 1 (2022). This four-part series looks at embedding portfolio risk resilience into decisions across the credit lifecycle through targeted application of the FICO ® Resilience Index. risk that only manifests during periods of economic stress) more precisely. FICO Admin.

Risk Management 52

Risk Management Strategy Management Analytics 52

Abrigo

MARCH 16, 2016

Risk ratings form the basis for broader risk management including setting the reserve, stress testing , capital and strategic planning. Once determined, they allow lenders to determine how and how often to review and analyze the relationship.

Risk Management 150

Risk Management How To Capital Management 150

Abrigo

DECEMBER 17, 2021

For banks and credit unions, this often means a deep understanding of regulations and compliance and adhering to the institution's risk management standards. Lending & Credit Risk. Portfolio Risk & CECL. Lending & Credit Risk. Credit Risk Management. Lending & Credit Risk.

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Fintech How To Innovation System 195

Abrigo

AUGUST 5, 2020

Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Credit risk management has been a cornerstone of community banking, and it will continue to be a top priority in this unique credit environment. Portfolio Risk & CECL. Asset/Liability.

Management 195

Management Risk Management Trends Industry 195

Abrigo

DECEMBER 22, 2023

The most-read portfolio risk 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. You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool."

Risk Management 221

Risk Management Regulation Management Lending 221

Celent Banking

JUNE 6, 2017

Many now serve as strategic advisors across their organizations, taking on diverse responsibilities such as long-term borrowing, investing, payments strategy and execution, and counterparty risk analysis and enterprise risk management. The post The Expanding Role of the Corporate Treasury appeared first on Banking Blog.

Risk Management 124

Risk Management Survey Management Strategy 124

Abrigo

APRIL 9, 2015

If bankers know where vulnerabilities exist, they can use stress test results to allocate capital and make more effective risk management decisions. Here are two examples: • Set appropriate capital reserves in preparation for potential adverse scenarios. Blog Bank Credit Union'

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Data Risk Management Capital Regional 150

Abrigo

DECEMBER 14, 2014

Many would point to imprudent lending standards as a leading cause of the financial crisis of 2008, and in turn, financial institution regulators have since bolstered lending standards and capital thresholds as a preventive measure against a similar crisis. Blog Bank Credit Union'

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Guidelines Payments Lending Capital 223

Abrigo

APRIL 15, 2022

So far in this “ Introduction to ALM ” blog series, we’ve looked at the two different measures of interest rate risk: earnings at risk (EAR) or income at risk (IAR) and economic value of equity (EVE) or value at risk (VAR). Liquidity risk managers need to ensure that all assumptions are reasonable and appropriate.

Management 195

Management Meeting Risk Management Operations 195

ABA Community Banking

APRIL 26, 2015

Handling squeeze between regulators and investors Risk Management Blogs Risk Adjusted HowTo Compliance/Regulatory Community Banking.

Capital 40

Capital Risk Management Community Bank Compliance 40

Abrigo

NOVEMBER 17, 2023

Additionally, the human capital investment—in terms of both hiring fraud prevention experts and training existing staff—represents a significant operational expense. The second pillar concerns the cost of technical and human resources dedicated to fraud prevention, detection, and remediation. Find out how BAM+ stops fraud scams.

Fraud 195

Fraud Training Trends Compliance 195

Perficient

MAY 27, 2022

However, in this blog, we will discuss the regulatory landscape surrounding cryptocurrency from an asset manager or fund manager perspective. New York’s BitLicense requirement therefore applies to investment managers who issue digital coins or otherwise act as an exchange platform regardless of where the buyers are located.

cryptocurrency 332

cryptocurrency Regulation Management Bitcoin 332

Abrigo

MARCH 23, 2015

Consequently, interagency guidance on CRE concentration risk management , released in 2006, helps institutions pursue CRE lending with safety and soundness. Diversifying by loan quality can also strengthen portfolio segmentation, where banks can gain deeper understanding of the risks inherent in their portfolios.

Community Bank 150

Community Bank Risk Management Community Analysis 150

Abrigo

OCTOBER 6, 2017

During a Sageworks webinar on HVCRE risk management Rob Ashbaugh, senior risk management consultant at Sageworks, explained that clarifications on some of the murkier aspects of the HVCRE (high volatility commercial real estate) rule were anticipated by the industry.

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Regulation Risk Management Community Bank Community 150

Abrigo

SEPTEMBER 2, 2020

Capitalizing on PPP innovations for a better experience. Lending & Credit Risk. Credit Risk Management. Lending & Credit Risk. 3 Ways SBA Lending After PPP Can Help Banks, Credit Unions Grow, Mitigate Risk. 3 Ways SBA Lending After PPP Can Help Banks, Credit Unions Grow, Mitigate Risk.

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Lending Community San Antonio Survey 259

PYMNTS

JANUARY 13, 2021

The OCC conditionally approved the charter, meaning Anchorage had to agree to comply with certain capital and liquidity requirements, as well as the OCC’s risk management rules, the release stated. Meanwhile, Coinbase apologized in a blog post to EU and U.K. Seven others have been sentenced, according to the release.

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South Dakota Digital Banking Bitcoin cryptocurrency 131

Abrigo

SEPTEMBER 26, 2014

Earlier this month, as Congress came back in session, the political news site TheHill.com covered the issue of pending policies on CUs, with an op-ed titled, “ Congress: ‘Measure twice, cut once’ on proposed risk-based capital rule.” This could mean significant increases in capital for many credit unions.

Capital 191

Capital National Regulation Risk Management 191

Abrigo

APRIL 12, 2016

“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. Risk management culture What exactly is a risk management culture? Evaluating risk management.

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Management FDIC Risk Management Community Bank 150