South State Correspondent

FEBRUARY 27, 2022

Booking long-term fixed-rate loans on-balance-sheet may not make sense for many banks. Current Risk in Term Lending. The market expects the FOMC to raise short-term rates over six times in the next 12 months and the Fed Funds rate to reach over 1.60% by February of 2023. Current ARC Pricing. Why ARC Makes Sense.

Lending 195

Lending Community Bank Community Meeting 195

Abrigo

MAY 10, 2022

Takeaway 3 Information from core deposit studies allows management to fund assets appropriately with non-maturity deposits. As noted throughout this “ Introduction to ALM ” blog series, a key aspect of asset/liability management (ALM) is managing assets and liabilities appropriately to generate and sustain margin.

Management 195

Management Study Analysis Groups 195

Abrigo

SEPTEMBER 1, 2020

Now, many of the nearly 5,500 SBA-approved lenders that are participating in the PPP are weighing the option of leveraging that technology to continue to provide SBA lending after PPP. Leveraging tech for SBA lending after PPP. Or, they might wonder whether it’s too late to start 7(a) lending if they’ve never done it before the PPP.

Lending 195

Lending Risk Management Technology Survey 195

Abrigo

MARCH 21, 2024

Takeaway 2 Enterprise value goes beyond book value to include earning potential, market position, and intangible assets. Beyond book value Understanding enterprise value in credit union mergers Why is enterprise value important? Enterprise value considers more than just the book value of a credit union's assets and liabilities.

Lending 221

Lending Analysis Exercises Risk Management 221

Abrigo

AUGUST 2, 2023

Takeaway 3 Financial institution management can focus on mitigating risk and understanding portfolio dynamics when the analysis is streamlined. This article outlines a structured approach to ensuring management can confidently answer inquiries about the health of their CRE segments and related credit performance. estimates $1.45

Report 195

Report Risk Management Lending Analysis 195

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model.

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model.

Community Bank 195

Community Bank FDIC Community National 195

Abrigo

SEPTEMBER 1, 2020

Now, many of the nearly 5,500 SBA-approved lenders that are participating in the PPP are weighing the option of leveraging that technology to continue to provide SBA lending after PPP. Leveraging tech for SBA lending after PPP. Or, they might wonder whether it’s too late to start 7(a) lending if they’ve never done it before the PPP.

Lending 195

Lending Training Technology Survey 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. . As described in the first post of this series , a key component of effective asset/liability management (ALM) is managing risks. Earnings at Risk.

Management 195

Management Analysis Strategy Policies 195

Abrigo

AUGUST 28, 2019

Slow lending decisions and frustrating loan application processes are among borrowers’ biggest gripes with traditional financial institutions vs competitors such as online or alternative lenders. Contacting a branch manager might yield insight on depositors for potential upsells for loans. Drive faster lending decisions.

Lending 150

Lending Analysis Taxes Data 150

PYMNTS

NOVEMBER 1, 2018

So it is with the Chinese alternative lending space, with various nomenclature in place, seemingly interchangeable, embracing P2P loans or internet lending – in short, funds flowing outside the confines of the bank branch and the teller window. The industry thrived to as much as 1 trillion RMB last year.

Lending 150

Lending Guidelines Fintech Industry 150

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

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. Commercial growth strategies.

Strategy 195

Strategy Lending Risk Management Analysis 195

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. A loan origination system automates, manages. Here's what a loan origination system is.

System 338

System Lending Software Analysis 338

South State Correspondent

MAY 3, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

PYMNTS

JANUARY 15, 2021

But presentation materials that accompanied the results showed that of the reserve released in the quarter, $900 million came from the consumer side of the book, so to speak, and were released from home lending. That activity ties in with the near-term uncertainty of the economic landscape, said management on the call.

Management 151

Management Mobile Conference Lending 151

Abrigo

MAY 18, 2023

The guidance expects the scope to consider current market conditions (soaring lumber and construction materials prices, the pandemic, cybercriminals shutting down oil pipelines) that may impact a borrower’s current or future ability to repay the loan. This certainly qualifies loan review as a high-scope activity.

Lending 195

Lending Training Guidelines Policies 195

Abrigo

AUGUST 29, 2022

Many banks and credit unions have adopted sophisticated risk-management practices, and their board of directors has to play an active role in ensuring that risks are well understood in overseeing risk exposure. However, not all collateral is created equally : marketability of the asset, sales costs and access to collateral all affect value.

How To 195

How To Lending Risk Management Analysis 195

Bank Innovation

MARCH 21, 2019

Citi Ventures led a $28 million Series C equity round for client management platform HoneyBook, the company announced today.

San Francisco 170

San Francisco Management Fintech Company 170

PYMNTS

JANUARY 2, 2019

The company will offer crowdfunding and lending as it tries to distance itself from a year of scandals, including the murder of two female passengers. The services include wealth management tools, credit, lending and crowdfunding for serious illnesses. Last year, Didi announced that it was moving into the hotel business as well.

Lending 183

Lending Leadership Apple America 183

South State Correspondent

APRIL 23, 2023

The root cause of Silicon Valley Bank’s (SVB) failure is poor risk management – plain and simple. Bankers need to understand and manage their business on the fair value of assets and liabilities instead of managing their business on net interest margin and the amortized historical cost of assets and liabilities.

Management 195

Management Security Risk Management social media 195

Abrigo

OCTOBER 23, 2014

But how can this growth be managed appropriately? “As we witnessed with the not so distant crisis, banks that were lax with their credit standards while booking unprecedented new business ultimately paid the cost.” CEIS Review , a New York-based bank consulting firm, highlights the shift in a recent article.

Risk Management 186

Risk Management Management Lending Resources 186

PYMNTS

AUGUST 4, 2017

Alternative lending was the golden child among investors around 2015, but lately, the industry seems to have fallen out of favor thanks to regulatory uncertainty and questions over the viability of some business models. Alternative Lending. This week alone saw two examples of those concerns in action: One U.S. lawmaker, Rep.

Lending 109

Lending Capital Fintech Data 109

Jeff For Banks

APRIL 14, 2022

That's the number of books in John Maxfield's banking book library. Doesn't your bank have a bank book library? Two hundred and forty three books. Books are in author last-name order. Because it's a library's worth of books! Two hundred and forty three. How do I know? He sent me his list. Interesting idea.

America 78

America National Denver United States 78

Perficient

JANUARY 12, 2021

Smaller financial institutions will have to be more innovative and rely on third parties and as-a-service based solutions to specifically address the needs of the niche market they are servicing. Small businesses remain an untapped marketing opportunity for the financial services industry. Small Business Innovation. reached 31.7

Trends 332

Trends Fintech Customer Experience Innovation 332

Abrigo

OCTOBER 28, 2020

Key Takeaways Financial institutions are currently awash with liquidity and competitive markets are squeezing rates. Answer this question: Are we trying to decide what to do with the money you already have on the books, or are we trying to find ways to grow the balance sheet and going to need new funds as a result? Sounds crazy, right?

Lending 195

Lending Risk Management Management Community 195

South State Correspondent

MAY 22, 2023

The “most important thing,” as described in the book, is the ability to drill down in order to get to the heart of an issue. The concept has recently had a resurgence as it is a core tenant in Ray Dalio’s book, Principals. First-order thinking is – “Industrial lending is still performing well. We should keep originating.”

Analysis 195

Analysis Lending Industry How To 195

PYMNTS

MAY 14, 2018

Taking a page from Goldman Sachs’ book, Morgan Stanley is beginning to lend to FinTech startups in Brazil as it seeks more of a return on its investments. Morgan Stanley’s move comes at a time when the Brazil FinTech market is exploding. Fortress Investment Group also took part in that deal.

Fintech 116

Fintech Marketing America Report 116

PYMNTS

MARCH 14, 2018

challenger bank Tandem has acquired Pariti, a money management app that has collected 95,000 users. banking market. That acquisition gave Tandem a £200 million loan book and £300 million in deposits. In addition, Pariti also has integrations with lending FinTechs Zopa and Lendable.

Management 100

Management Lending Fintech Data 100

Abrigo

JUNE 30, 2022

Takeaway 2 Calculating historical loan betas requires pricing and origination data, historical market rates, and basic statistical methods. . With the expected ongoing increases in market rates, many institutions hope to improve net interest margin via an increase in yield on earning assets outstripping any increases in funding costs.

Lending 195

Lending Marketing Analysis Data 195

South State Correspondent

SEPTEMBER 16, 2022

To derive the cost of a loan, you start with your sales and marketing costs and add to that the cost of taking an application and processing that loan to a decision. You then divide that number by your total loans (and volume) booked and then divide that number by the expected weighted average life of the loan.

Analytics 195

Analytics Lending Data Groups 195

PYMNTS

JANUARY 30, 2017

Used to be that managing a company’s liquidity and cash position was a matter of reconciling disparate bank accounts at the end of the day. Trade finance, they said, could help boost efficiency in cash management and supply chain (via dynamic discounting on invoices).

Management 100

Management Lending Capital Survey 100

PYMNTS

MAY 10, 2016

Renaud Laplanche , Former CEO of Lending Club, in a 2013 interview. Those were the good old days of Lending Club, a Silicon Valley darling that was the next big thing in lending. Lending Club was the poster child of that alt lending movement. I want to create something new and innovative.” He was far from alone.

Lending 100

Lending Capital Compliance Operations 100

PYMNTS

JULY 18, 2016

The world stock markets have bottomed and bounced back twice, China has become the international economy’s most expensive riddle, England quit the E.U. Lending Club continued to prove there is almost always more to the story, American Express announced a surprise collaboration with Airbnb and PayPal pushed harder into B2B payments.

Lending 100

Lending Payments Metro Cards 100

Abrigo

DECEMBER 19, 2019

Key Takeaways To book loans more quickly, institutions must create efficiencies and increase loan turnaround. Looking to mergers and acquisitions, institutions can expand into new areas of business or geographic markets. Growing the loan portfolio seems fairly straightforward: book more loans. If only it could be that simple.

Lending 195

Lending Fraud Community FDIC 195