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." CRE loan accommodations.

Management 195

Management Risk Management Policies Lending 195

Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. The core principles for directors have not changed materially since 1988, the FDIC said. Risk management culture What exactly is a risk management culture? Evaluating risk management.

Management 150

Management FDIC Risk Management Community Bank 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. Portfolio Risk & CECL. Asset/Liability.

How To 195

How To Risk Management Analysis Kansas City 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

Abrigo

AUGUST 3, 2017

The FDIC paper The Entry, Performance, and Risk Profile of De Novo Banks published in April 2016 reports that the number of de novo bank failures and acquisitions annually has drastically declined since 2010, primarily due to the fact that new bank formations have become nearly inexistent.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

Cisco

JULY 12, 2022

a few agencies include the Federal Reserve (FRB), the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Office of the Comptroller (OCC), and the Consumer Financial Protection Bureau (CFPB). Common Risk Management Topics: Architecture, Data, IT. Infrastructure Management.

Regulation 71

Regulation FDIC System Software 71

CFPB Monitor

APRIL 1, 2021

In what could be an important step towards needed regulatory updating to accommodate the growing use of artificial intelligence (AI) by financial institutions, the CFPB, FDIC, OCC, Federal Reserve Board, and NCUA issued a request for information (RFI) regarding financial institutions’ use of AI, including machine learning (ML). Uses of AI.

Risk Management 78

Risk Management Training Lending FDIC 78

Abrigo

AUGUST 6, 2021

according to FFIEC and FDIC data. Technology can help streamline and automate many manual lending processes, reduce compliance costs, and enhance risk management. Lending & Credit Risk. Lending & Credit Risk. Even though community banks make up a small share of total assets and deposits, 13.5% SBA Lending.

Community Bank 195

Community Bank Community Kansas City Lending 195

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. It could compromise institutions’ risk management effectiveness and ultimately hurt the institution.

Policies 150

Policies Risk Management Survey FDIC 150

Abrigo

AUGUST 8, 2021

Takeaway 3 Timely risk ratings and a written review policy are critical components of effective loan review and credit review. This article is substantially updated from a 2013 blog post. Lending & Credit Risk. Credit Risk Management. Credit Risk Regulation. Lending & Credit Risk. Learn More.

System 195

System Lending Policies Regulation 195

Abrigo

JULY 20, 2021

During Abrigo’s recent ThinkBIG Conference, credit underwriting and loan portfolio risk management trainer and consultant Michael Wear , CRC , of 39 Acres Corp. Lending & Credit Risk. Credit Risk Management. Lending & Credit Risk. Risk Ratings. Risk Ratings. Risk Ratings.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

JULY 20, 2021

During Abrigo’s recent ThinkBIG Conference, credit underwriting and loan portfolio risk management trainer and consultant Michael Wear , CRC , of 39 Acres Corp. Lending & Credit Risk. Credit Risk Management. Lending & Credit Risk. Risk Ratings. Risk Ratings. Risk Ratings.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

AUGUST 9, 2017

According to the OCC, institutions that have incorporated stress testing into their planning typically demonstrate an ability to withstand negative market developments more effectively than other financial institutions as a result of these beneficial risk management practices.

Columbus 150

Columbus Ohio FDIC Strategy 150

Abrigo

DECEMBER 9, 2014

Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. To manage them, the bank’s executives can prepare and document these credit policies in a way that bolsters growth without slowing the credit department down.

Training 170

Training Policies Analysis Community Bank 170

Jeff For Banks

JULY 31, 2017

Which is very close to the 3-year annual net income growth for all FDIC insured banks. Risk management and the legions of regulators work in tandem to limit growth. Jeff Note: I make no investment recommendations in my blog. So by the PEG ratio, banks would appear to be over-valued. Which may be true.

Regional 60

Regional FDIC Industry Risk Management 60

Jeff For Banks

MAY 20, 2017

To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. But isn't fast growth by itself an indicator of increased risk of failure, regardless of the loans that fueled the growth? Risk mitigants tend to lag growth, especially fast growth.

Lending 60

Lending Regulation Community Community Bank 60

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. On January 28, the Federal Deposit Insurance Corp.

Lending 195

Lending How To FDIC Survey 195

Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. FDIC officials in March outlined several types of weaknesses in loan underwriting, administration and oversight practices that are emerging at some banks with CRE portfolios.

FDIC 186

FDIC Risk Management Analysis Lending 186

Abrigo

NOVEMBER 22, 2021

Consumer lending compliance — like other aspects of enterprise risk management at financial institutions — saw a huge impact from the COVID-19 pandemic. Numerous regulatory resources go into detail, including fair lending videos from the FDIC and examination procedures published on the Consumer Financial Protection Bureau’s website.

Compliance 195

Compliance Lending Risk Management Regulation 195

Abrigo

FEBRUARY 8, 2024

Effective fraud risk management includes detection and fraud monitoring that should consider customer or member history and behavior. Emailed newsletters, blogs, and printed materials such as flyers and posters. At the same time, it is important not to deter clients from using digital banking methods for daily transactions.

Fraud 195

Fraud Resources social media Software 195

Abrigo

DECEMBER 19, 2019

In 2008, there were 7,061 FDIC-insured commercial banks in the U.S. Lending & Credit Risk. Lending & Credit Risk. Portfolio Risk & CECL. Cyber Complications for Vendor Risk Management. Attain growth through M&A, new partners. Fraud Prevention. Fraud Trends. Holiday Sales on the Dark Web.

Lending 195

Lending Fraud Community FDIC 195

Abrigo

SEPTEMBER 14, 2022

Credit Risk Management. Lending & Credit Risk. Lending & Credit Risk. Lending & Credit Risk. Portfolio Risk & CECL. FDIC Releases Formal and Informal Enforcement Actions Manual. See the difference. Digital Lending & Credit Automation: Before and After". Keep me informed.

Lending 195

Lending Data Regulation Community 195

CFPB Monitor

AUGUST 8, 2019

A new CFPB blog post titled “ An update on credit access and the Bureau’s first No-Action Letter ” provides a boost to lenders using alternative data and machine learning in their underwriting models. In its blog post, the CFPB shares results provided by Upstart of simulations and analyses it conducted pursuant to that plan.

Data 60

Data Lending Compliance Policies 60