Abrigo

SEPTEMBER 5, 2023

As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked. 3 categories of credit exceptions I would divide exceptions into three categories: structural credit exceptions, account management exceptions, and documentation exceptions. and property tax payments.

Policies 195

Policies Lending Risk Management Examples 195

South State Correspondent

JANUARY 10, 2024

We estimate that approximately another 500 use hedging programs that keep the derivative off balance sheet (thus not reportable by FDIC). Only 304 banks (or 6.7% of the total) used swaps directly. Such programs include the one that SouthState Bank uses for our commercial loans – the ARC Program.

Community Bank 195

Community Bank Community National Regional 195

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

CFPB Monitor

NOVEMBER 2, 2020

The CFPB, OCC, Federal Reserve, FDIC, and NCUA have issued a proposed rule on the role of supervisory guidance. In September 2018, the agencies issued an “ Interagency Statement Clarifying the Role of Supervisory Guidance.” In response to the Statement, the agencies received a petition requesting a formal rulemaking on the subject.

FDIC 78

FDIC Regulation Compliance Risk Management 78

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

Abrigo

MARCH 2, 2023

Experts have highlighted numerous lessons from Southwest’s experience, many of which can benefit bank and credit union executives, regardless of their institution size, as they manage competing priorities for spending and growth initiatives on banking solutions.

Technology 195

Technology Lending Community Software 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

Independent Banker

SEPTEMBER 25, 2014

As David Barr, spokesperson for the FDIC, points out, “a vast majority of community banks remain well-rated and exhibit satisfactory corporate governance programs and compliance management systems.”. Be aware of existing or emerging risk concerns. Toney Bland, Office of the Comptroller of the Currency. in Kent, Ohio.

Compliance 101

Compliance Regulation Community Bank Community 101

CFPB Monitor

NOVEMBER 24, 2020

Such criteria included: “(1) personal beliefs and opinions on matters of substantive policy that are more appropriately the purview of state and Federal legislatures; (2) assessments ungrounded in quantitative, risk-based analysis; and (3) assessments premised on assumptions about future legal or political changes.”.

Operations 78

Operations Analysis Industry Policies 78

Independent Banker

DECEMBER 13, 2015

Risk levels have a five-point range. The second part measures cybersecurity maturity levels within five domains: cyber risk management and oversight; threat intelligence and collaboration; cybersecurity controls; external dependency management; and cyber incident management and resilience. Advice for others.

Tools 70

Tools Community Community Bank Security 70

Independent Banker

NOVEMBER 24, 2015

Risk levels have a five-point range. The second part measures cybersecurity maturity levels within five domains: cyber risk management and oversight; threat intelligence and collaboration; cybersecurity controls; external dependency management; and cyber incident management and resilience. Advice for others.

Tools 70

Tools Community Community Bank Security 70

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

JULY 26, 2021

Our dedicated risk management experts are ready to help you transition to CECL with confidence. Regulators said that in addition to documenting the reasoning for using SCALE, other aspects of the CECL calculation should also be thoroughly documented, from the pooled loan selection all the way through qualitative factors. .

Tools 195

Tools Kansas City Kansas Regulation 195

CFPB Monitor

NOVEMBER 22, 2022

The Federal Reserve, FDIC, and OCC should finalize the interagency guidance for banks on managing risks associated with third-party relationships that was proposed in July 2021. This includes IDIs acting as lenders in bank/fintech partnerships.

Fintech 78

Fintech Report Data Lending 78

CFPB Monitor

JANUARY 26, 2021

The CFPB , OCC , FDIC and NCUA have issued substantially similar final rules on the role of supervisory guidance. The final rules adopt the agencies’ proposals without substantive change. In September 2018, the agencies issued an “Interagency Statement Clarifying the Role of Supervisory Guidance.”

Compliance 78

Compliance FDIC Regulation Examples 78