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.

Analysis 195

Analysis Industry Risk Management Lending 195

Perficient

OCTOBER 12, 2020

Named a leader by IDC for treasury and finance, Kyriba optimizes cash and risk management, payments and working capital strategies through a highly secure Software-as-a-Service platform. New compliance standards from SWIFT now require internal SWIFT domain expertise with annual certifications and annual documentation.

Risk Management 309

Risk Management Fraud Management Compliance 309

Abrigo

MAY 2, 2024

Compliance and Risk Management: The loan policy ensures that the lending function operates within the regulatory and compliance framework. It also outlines the risk management practices that need to be followed when evaluating small business lending opportunities.

Lending 221

Lending Strategy Analysis Policies 221

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.

Management 195

Management Risk Management Policies Lending 195

Abrigo

MARCH 13, 2024

Takeaway 2 Address early warning signs immediately so you don't risk liability that could lead to the financial institution losing the CRE loan's collateral. Takeaway 3 To triage a CRE loan in workout, first re-engage the deal team and conduct a comprehensive review of the loan documents.

Strategy 221

Strategy Course Meeting Taxes 221

Gonzobanker

AUGUST 14, 2019

When most financial executives read the headline “Capital One Data Breach,” they had two thoughts: How is this going to impact the financial sector? In this case, information about Capital One ’s customers. Aren’t both AWS and Capital One both responsible? What does the Capital One breach mean?

Capital 94

Capital Data Security Guidelines 94

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

South State Correspondent

AUGUST 21, 2022

The first decision a community bank must make in choosing a hedging program is if they will subject their commercial customers to ISDA documents. Most community banks do not have a large universe of customers and prospects that would embrace complex and esoteric documentation.

How To 195

How To Community Bank Community FDIC 195

Abrigo

MARCH 3, 2021

Takeaway 1 Understanding credit risk and assigning risk to loans is the foundation of credit analysis. . Takeaway 3 Credit memos can be one of the most difficult, yet important, documents to the life of the loan. Throughout the past year, emphasis on credit analysis and credit risk has never felt so important. Learn More.

Analysis 195

Analysis Risk Management Lending Training 195

Abrigo

MAY 19, 2023

There is a well-documented shortage of junior reviewers, which means loan review units need to recruit people short on education, training, and experience. In addition, they should be familiar with pertinent laws and regulations affecting credit and lending activities.

Training 195

Training Lending Risk Management Guidelines 195

Gonzobanker

SEPTEMBER 21, 2023

Core connectivity and API providers CFM and NXTsoft merged, acquiring document workflow provider IMM and rebranding as Kinective. Treasury management provider Dragonfly Financial Technologies launched independently from an ACI Worldwide sale. Alogent acquired document imaging and tracking solution provider AccuSystems.

Fintech 103

Fintech Software Illinois Lending 103

Abrigo

SEPTEMBER 5, 2023

3 categories of credit exceptions I would divide exceptions into three categories: structural credit exceptions, account management exceptions, and documentation exceptions. For example, documentation would encompass perfection, administrative (insurance, UCC-11s, etc.), and property tax payments.

Policies 195

Policies Lending Risk Management Examples 195

Abrigo

MAY 17, 2017

The importance of a sound risk rating process continues and possibly grows in the coming years as financial institutions grapple with the increased emphasis on estimating credit losses. Only then can banks determine how much capital should be applied to that risk.

Risk Management 170

Risk Management Analysis Examples Capital 170

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. Takeaway 1 Loan policy is the foundation of a risk-focused financial institution, and it requires regular updates and monitoring to be effective. keep me informed.

Policies 195

Policies Lending Regulation Examples 195

Independent Banker

APRIL 30, 2022

For this and other reasons, now is a good time to review and refresh articles, bylaws and committee charters to ensure resilience and bolster risk management. But if they see it as a risk management tool, it’s a game changer. He also recommends not updating the resiliency document as only a “table-top exercise.”

Oregon 91

Oregon Community Bank Community Meeting 91

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.

Guidelines 223

Guidelines Payments Lending Capital 223

Abrigo

JUNE 17, 2015

As a result, borrowers are encouraged, in the OCC document, to implement risk management practices that reduce their exposure to these risks, including diversification strategies, operations integration, hedging, contracting strategies and/or purchasing insurance.

How To 150

How To Kansas City Lending Analysis 150

Abrigo

AUGUST 5, 2020

Credit memos are one of the most important documents in the life of the loan, as loan committees use these documents to determine whether or not to approve a loan. Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Portfolio Risk & CECL.

Management 195

Management Risk Management Trends Industry 195

Abrigo

APRIL 1, 2015

McGrane and Hilsenrath also noted that following the push for higher capital cushions, “regulators are now focusing on corporate governance and the role of directors to ensure banks have the right culture and controls to prevent excessive risk taking.” What about liquidity risks, interest rate exposure and IT security threats?

Risk Management 150

Risk Management Community Bank Regulation Boston 150

Abrigo

SEPTEMBER 1, 2020

SBA lending software that automates the application ( SBA 1919 ), document-gathering, and submitting SBA loan applications to E-Tran , can help – as it did with the PPP. Make use of in-house document monitoring to ensure proper SBA loan monitoring. Managing Liquidity Risk and Profitability in 2020 Webinar Series.

Lending 195

Lending Risk Management Technology Survey 195

Gonzobanker

NOVEMBER 2, 2023

Smarter Bank leaders have an eye for designing and building new systems that align people, processes and technology and that leverage data and intellectual capital. Credit officers don’t approve every loan – rather they build credit models and portfolio management systems.

Leadership 158

Leadership Industry Management Resources 158

Abrigo

FEBRUARY 23, 2022

How we manage the flow of documents is a huge piece of loan ops; how we store those documents appropriately; how we’re getting them to and from our lenders or appraisers or the third-party vendors that we use—all that stuff really opens itself up to process improvement. Lending & Credit Risk. Credit Risk Management.

How To 195

How To Lending Software Survey 195

Abrigo

FEBRUARY 27, 2020

They are routinely experiencing processes that add costs, delay turnaround times, and can lead to inconsistency in pricing and risk management. The list goes on, and we haven’t even gotten into creating closing documents or credit presentations.

Lending 243

Lending Survey Data System 243

Abrigo

AUGUST 8, 2021

The update incorporates changes related to the current expected credit loss (CECL) accounting standard, including breaking out the loan review guidance (previously attached to guidance on the ALLL) into a standalone document. Lending & Credit Risk. Credit Risk Management. Credit Risk Regulation. Learn More.

System 195

System Lending Policies Regulation 195

PYMNTS

JUNE 17, 2020

There is also performance risk, he explained, which takes into account the threat of a vendor failing to deliver goods as reflected on a purchase order — whether they be non-compliant or damaged, for example. Finally, there is transaction risk, which addresses the threat of false documentation of shipping fraud. ”

Fraud 171

Fraud Capital Data Payments 171

Abrigo

DECEMBER 2, 2021

But this year, only 15% described core deposit growth as a “very important” risk. The challenge with the influx of capital is that most financial institutions don’t know how much of the money at their institutions will hang around – or for how long. Credit Risk Management. Lending & Credit Risk. Learn More.

Conference 195

Conference San Antonio Lending Fraud 195

Abrigo

NOVEMBER 8, 2015

Whether it’s part of a CECL preparedness conversation or part of a more proactive approach to risk management under existing regulatory expectations, the topic of “loan-level data” has repeatedly come up since the 2012 proposal from the FASB. Better portfolio reporting to understand risk.

Management 150

Management Data Risk Management Resources 150

PYMNTS

NOVEMBER 7, 2018

CEO Scott Sanborn said that results benefited partly as the firm was and has been able to serve broad range of investors across the company’s platform, marked by varying cost of capital and risk appetites.

Taxes 159

Taxes Management Risk Management Capital 159

Abrigo

APRIL 15, 2022

As is the case with effectively managing interest rate risk , managers need to understand their cash flows in and out of the institution to effectively manage liquidity and meet all regulatory requirements. Liquidity risk managers need to ensure that all assumptions are reasonable and appropriate.

Management 195

Management Meeting Risk Management Operations 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. Lenders use their own credit decision process and loan documentation, allowing a streamlined method for approval. Lending & Credit Risk. 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. Lenders use their own credit decision process and loan documentation, allowing a streamlined method for approval. Lending & Credit Risk. Risk Ratings.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

JANUARY 29, 2016

One overall benefit of effective loan pricing is that it is one of the many ways a financial institution can optimize capital. The risk premium for default risk takes into account the borrower’s risk rating as well as the risk rating of the credit facility, according to Adams. According to James L.

Capital 150

Capital Philadelphia Policies Strategy 150

South State Correspondent

FEBRUARY 27, 2022

Simple four-page addendum, no ISDA documents, no hedge accounting, one fixed-rate billing statement. With no additional reporting, no additional accounting, and no capital or collateral costs, the bank retains the full relationship. The table below summarizes the benefit of the ARC program for borrowers and lenders. Differentiate.

Lending 195

Lending Community Bank Community Meeting 195

Abrigo

SEPTEMBER 2, 2020

Capitalizing on PPP innovations for a better experience. These institutions used customer-facing innovations such as online loan applications , electronic signature capabilities, and remote document upload features to allow borrowers to complete PPP applications online at their convenience. Lending & Credit Risk. Learn More.

Lending 259

Lending Community San Antonio Survey 259

Abrigo

SEPTEMBER 1, 2020

SBA lending software that automates the application ( SBA 1919 ), document-gathering, and submitting SBA loan applications to E-Tran , can help – as it did with the PPP. Make use of in-house document monitoring to ensure proper SBA loan monitoring. The current SOP 50 10 5 (K) remains in effect until then.) Practice makes perfect.

Lending 195

Lending Training Technology Survey 195

Independent Banker

SEPTEMBER 25, 2014

Be aware of existing or emerging risk concerns. Bland of the OCC agrees that “one of the biggest issues” for bank examiners is evaluating operational risk, especially with eyes toward the current financial environment where loan underwriting terms are changing. We’re starting to see examiners demanding a capital plan be in place.”.

Compliance 101

Compliance Regulation Community Bank Community 101

Abrigo

SEPTEMBER 2, 2020

Capitalizing on PPP innovations for a better experience. These institutions used customer-facing innovations such as online loan applications , electronic signature capabilities, and remote document upload features to allow borrowers to complete PPP applications online at their convenience. Lending & Credit Risk. Learn More.

Lending 195

Lending Community San Antonio Survey 195