Abrigo

NOVEMBER 8, 2019

Top down and bottom up analysis can inform capital assessments. Some financial institutions may view stress testing as a “check the box” practice to satisfy regulators, but others are making the most out of the process. Stress testing and capital adequacy. Stress testing and risk management.

Lending 150

Lending Risk Management Analysis Capital 150

Abrigo

AUGUST 2, 2023

You might also like this on-demand webinar, "Stress testing & CECL efficiencies." Stress testing helps you manage capital levels and credit risk. CRE credit risk is in the spotlight A structured approach to assessing commercial real estate risk helps banks and credit unions address inquiries about the health of CRE loans.

Report 195

Report Risk Management Lending Analysis 195

Abrigo

DECEMBER 14, 2023

You might also like this on-demand webinar, "Strategic plan: How to develop and monitor at your financial institution." 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. How will you get there?

Lending 222

Lending Risk Management Meeting Survey 222

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. Takeaway 2 Reports that assess capital, growth, and liquidity provide banking professionals data to drive decisions. Regulators review them to assess safety and soundness.

Report 195

Report Risk Management Capital Data 195

Abrigo

OCTOBER 14, 2022

You might also like this whitepaper, "Stress Testing: Managing Capital Levels and Credit Risk." Takeaway 3 Utilize regulatory guidance to understand regulators' expectations, which are likely to include consistent stress testing. Read the whitepaper, "Stress Testing: Managing Capital Levels and Credit Risk.". keep me informed.

Risk Management 195

Risk Management Management Policies Lending 195

Abrigo

JULY 27, 2023

Of course, banks and credit unions are highly regulated industries, and this is increasing. They must not only comply with regulations aimed at protecting the safety of the FI but also those protecting the customers/members. Its capabilities and adaptability provide significant cost savings and improved efficiency.

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

JULY 27, 2023

Of course, banks and credit unions are highly regulated industries, and this is increasing. They must not only comply with regulations aimed at protecting the safety of the FI but also those protecting the customers/members. Its capabilities and adaptability provide significant cost savings and improved efficiency.

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

AUGUST 8, 2021

Independent Loan Review Systems in Banking Banking regulators have outlined expectations for effective, independent loan review and credit risk review. . The change reflects regulators’ expectations that financial institutions will develop loan review or credit review systems tailored to their specific risks and circumstances.

System 195

System Lending Policies Regulation 195

Celent Banking

MARCH 30, 2016

Last week, I participated in a Finextra webinar on the topic of “Connected Credit and Compliance for Lending Growth” with panelists from ING, Vertus Partners, Misys and Credits Vision. Cost of compliance. Connectivity with clients and partners will increasingly be the hallmark of a successful commercial lender.

Lending 100

Lending Compliance Training Capital 100

Abrigo

APRIL 21, 2020

Key Takeaways Financial institutions have 10 calendar days to disburse PPP loans To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint.

Lending 195

Lending Capital Minnesota FDIC 195

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.

Regulation 150

Regulation Risk Management Community Bank Community 150

Abrigo

OCTOBER 28, 2022

Takeaway 1 Signs point to increased loan modifications and loan workouts, and regulators have urged financial institutions to work prudently with borrowers. . Learn how credit unions can manage capital levels amid credit stress. Watch webinar. Regulators foster prudent loan modifications. CRE loan accommodations.

Management 195

Management Risk Management Policies Lending 195

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. You might also like this on-demand webinar, "Identifying emerging CRE risks." help financial institutions adapt quickly to trends.

Report 195

Report Lending Trends Data 195

Abrigo

MAY 2, 2022

You might also like this webinar on loan policy best practices. Takeaway 3 Minor inconsistencies between policy and loan portfolio can be a red flag to regulators, so careful review is key. . This means that all branches and offices are applying your policy and procedures consistently, especially for consumer lending.

Policies 195

Policies Lending Regulation Examples 195

Abrigo

AUGUST 30, 2022

You might also like this webinar on commercial lending strategy. The lack of alternative options in a rising-rate environment may be a factor when deciding to expand into commercial lending. CRE Lending. Lending & Credit Risk. CRE Lending. Lending & Credit Risk. Member Business Lending.

Strategy 195

Strategy Lending Risk Management Analysis 195

PYMNTS

NOVEMBER 23, 2020

Analysts told Reuters that the shift could be aimed at attracting more capital and increasing competition within the banking sector. Among the problems is a history of bad lending decisions and poor governance, the FT reported. India Business Council webinar. In a committee report released on Friday (Nov.

Groups 244

Groups Regulation Lending Industry 244

Abrigo

SEPTEMBER 5, 2023

You might also like these on-demand webinars on tackling common credit risk questions. unsecured lending is bad rather than unsecured lending should only be extended to high pass risk rated credit). The following is an example of how I would address the structural exception of non-recourse lending.

Policies 195

Policies Lending Risk Management Examples 195

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. Ashbaugh’s presentation begins with a quick summary of why regulators care about HVCRE. How did we get here? What are HVCRE loans?

Risk Management 150

Risk Management Management Capital Lending 150

Abrigo

AUGUST 1, 2022

Takeaway 2 Even small banks or credit unions not regulated by the Federal Reserve are required to address control risks from models. As financial regulators have noted , this oversight is important because of the "possible adverse consequences (including financial loss) of decisions based on models that are incorrect or misused.”

Risk Management 195

Risk Management Management Regulation Analysis 195

Abrigo

DECEMBER 23, 2022

Our top ten blogs were created by Abrigo's team, which includes former bankers, regulators, and industry experts. As financial regulators have  noted, th is oversight is important because of the potential for long-term complications in financial loss when models such as CECL models or ALM models are misused or incorrect. Learn more.

Resources 195

Resources Risk Management Study Strategy 195

Abrigo

JANUARY 11, 2022

You might also like this webinar, "ALM Basics: Best Practices in Measuring, Monitoring, and Controlling Interest Rate Risk" WATCH. Each arm represents a different interest of the institution (earnings, growth, capital, liquidity, etc.). For example, suppose an institution is looking to grow assets.

Management 195

Management Meeting Capital Strategy 195

Abrigo

MAY 24, 2023

According to the ABA, s urvey data compiled last year by Whitney Economics reported that over 70 percent of participating cannabis businesses say the “lack of access to cannabis banking or investment capital” is their top challenge.

Lending 195

Lending Fraud Operations Ohio 195

PYMNTS

SEPTEMBER 14, 2020

It’s a world where the parent company has such as tight rein that one step out of the guidelines and regulations can merit a devastating suspension. In short, it’s a world where access to capital and legal advice is welcome. So we looked at the financing end, and then all of those lending options.

Capital 214

Capital Long Beach Branding Guidelines 214

Abrigo

NOVEMBER 11, 2019

An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance. Using ALM to grow earnings and capital. Lending & Credit Risk. ALM should be used to create value in all interest rate environments. Asset/Liability.

Management 150

Management FDIC Community Risk Management 150

Abrigo

FEBRUARY 5, 2021

You might also like this webinar: "Detecting PPP Fraud: Optimizing Your AML Solution". Takeaway 3 Meanwhile, regulators continue to reinforce the importance of lenders knowing customers and beneficial owners. New Guidance Out. PPP fraud-prevention challenges arise. Would you like others articles like this in your inbox?

Fraud 195

Fraud Lending Taxes Regulation 195

Abrigo

AUGUST 5, 2020

Loan grading scales, weighting, and adjustment levels should be a direct reflection of the institution’s credit culture and past lending experiences – especially those painful losses, Wear explained. “I Capital Assessment, Capital Planning Are Critical as Coronavirus Creates Chaos. Asset/Liability. Portfolio Risk & CECL.

Management 195

Management Risk Management Trends Industry 195

Abrigo

NOVEMBER 9, 2022

Use a software tool [and] ensure your auditors and regulators are in the loop on progress.” Banks and credit unions will undoubtedly need to update CECL models and operational aspects of allowance calculations as the lending, risk, and regulatory environments change. Managing capital levels amid credit stress: Advice for credit unions.

Survey 195

Survey Software Resources Meeting 195

Abrigo

SEPTEMBER 15, 2017

Credit analysts assign risk ratings with a focus on whether the lending institution will get its money back in full and on time. The financial industry is a prime example of how changes in regulation can impact nearly every company within an industry. Watch the recent Sageworks webinar learn more about Risk Rating best practices.

Industry 150

Industry Trends Examples Data 150

Gonzobanker

MARCH 21, 2024

Of small business owners who applied for a business loan in early 2023, 6 in 10 found it difficult to find affordable financing, and overall, 77% are concerned about their access to capital according to a survey from Goldman Sachs. According to Randi Zeller, senior advisor to Community Reinvestment Fund, USA: “There is no lack of capital.

Lending 78

Lending How To Capital Data 78

Abrigo

DECEMBER 22, 2023

You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool." Abrigo's most popular risk management blogs over the last 12 months cover topics that continue to catch the attention of professionals and regulators. Key tentative decisions and timelines are shown in this blog.

Risk Management 222

Risk Management Regulation Management Lending 222

FICO

JANUARY 13, 2022

Regulation also continues to pose demands on already stretched back-offices juggling limited budgets, manpower and bandwidth challenges. there’s plenty of capital available and relatively modest collections portfolios, with most creditors reporting lower collections volumes than expected.

Industry 52

Industry Operations Regional Analytics 52

CFPB Monitor

MARCH 8, 2017

Comptroller Curry’s remarks focused primarily on the OCC’s fintech charter proposal , which he defended against a number of attacks from state regulators, consumer advocates, as well as industry opponents. ” He then discussed the CFPB’s two most recent requests for information. .”

Conference 74

Conference Policies New York City Data 74

Abrigo

DECEMBER 28, 2023

You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool." Indeed, regulators and management alike focused on these risks more and more in 2023 following the failure of Silicon Valley Bank and repeated rate hikes. A webinar on Stress testing and CECL efficiencies was also popular.

Resources 222

Resources Risk Management eBook Strategy 222

Abrigo

APRIL 7, 2022

Experts answer CECL questions from 2023 adopters Participants in Abrigo's CECL Kickstart webinars asked consultants their questions leading up to the 2023 CECL implementation date. Takeaway 1 Financial institutions brought practical questions to Abrigo consultants during the CECL Kickstart webinar. . Models for Success.

Policies 195

Policies Data Examples Lending 195

Abrigo

JUNE 12, 2023

You might also like this webinar, " AML Compliance and Sanctions Requirements for Non-Bank Financial Institutions. Streamlined compliance : Compliance with varying state regulations significantly burdens money transmitters. Encouraging innovation : Inconsistent regulations can deter fintech companies from entering certain markets.

Compliance 195

Compliance Fraud Regulation Guidelines 195

Abrigo

APRIL 19, 2022

You might also like this webinar on assessing global cash flow. Owners and guarantors may be sources of business capital, but in down economies they become users of business cash flow, depending on their personal and other business obligations. Watch the webinar. Stay up to date on global cash flow and other lending trends.

Analysis 195

Analysis Taxes Lending Examples 195

Bank Innovation

MARCH 19, 2020

How will banking and fintech business models be impacted by this unprecedented coronavirus pandemic? What is the role of innovation in response to these rapidly unfolding events? How will banks and startups work together?

Meeting 293

Meeting Fintech Innovation Customer Experience 293