Abrigo

FEBRUARY 24, 2022

ALM & measuring short-term interest rate risk Interest rate risk is measured through two approaches. This ALM 101 post describes the earnings at risk(EAR)/income at (IAR) risk perspective (short-term risk to the income statement). Earnings at Risk. Measuring interest rate risk accurately.

Management 195

Management Analysis Strategy Policies 195

Abrigo

FEBRUARY 16, 2024

You might also like these on-demand webinars tackling common credit risk questions. Takeaway 2 With proper planning and effective strategies, the scheduling process can be made more manageable at your financial institution. Focus on addressing the most critical issues and limit the number of exceptions to a manageable level.

Training 195

Training Risk Management Analysis Policies 195

Abrigo

SEPTEMBER 5, 2023

You might also like these on-demand webinars on tackling common credit risk questions. Takeaway 2 A credit exception should be specific, have a well-defined risk justification, and include details on clearing it. Takeaway 3 A credit exception policy should spell out what one is, when it can be used, and how to clear it.

Policies 195

Policies Lending Risk Management Examples 195

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."

Analysis 195

Analysis Industry Risk Management Lending 195

Abrigo

AUGUST 7, 2023

Applying model risk management to CECL What's involved in CECL model validation? Learn what banks, credit unions, and others subject to CECL accounting can expect from this risk management process. Model validation is a crucial aspect of model risk management.

Risk Management 195

Risk Management Handbook Analysis Management 195

Abrigo

DECEMBER 23, 2022

Blog posts to help your asset/liability management (ALM) staff strategize for the future These ALM posts were the most popular in 2022. Takeaway 1 Changing economic landscapes, investment markets, interest rates, customer demand, mergers, and acquisitions affect ALM decisions. Would you like other articles like this in your inbox?

Resources 195

Resources Risk Management Study Strategy 195

Abrigo

APRIL 12, 2023

Building a strong credit review process A critical element of monitoring is an organization’s credit risk rating system. Takeaway 3 Abrigo staff can partner with your institution to present a customized business case for loan review automation. Roles and responsibilities Risk rating systems: Who picks the numbers?

System 195

System Lending Risk Management Management 195

Abrigo

JANUARY 24, 2024

Takeaway 3 Acquisition and integration will expose your weak links. FDIC list The state of acquisitions in a rising rate environment According to the FDIC, there were 44 banks on the problem bank list in the third quarter of 2023, and the agency expects that number to continue to climb in 2024. Should we panic?

FDIC 195

FDIC Regulation Strategy Data 195

Abrigo

NOVEMBER 12, 2023

Support credit risk management Understanding loan covenants, when financial institutions should use them, and how to monitor them supports strong lending portfolios and credit risk management best practices. Takeaway 3 Too many covenants and too few can create problems for financial institutions.

Risk Management 221

Risk Management Lending Policies Management 221

Abrigo

AUGUST 2, 2023

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. LISTEN Takeaway 1 The health of CRE loans and related credit risk is a focus of investors, board members, other stakeholders, and upcoming regulatory exams.

Report 195

Report Risk Management Lending Analysis 195

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? Interest rate risk measurement. FDIC) noted in its 2021 Risk Review.

How To 195

How To Risk Management Analysis Kansas City 195

Abrigo

MARCH 21, 2023

Strategies for earning more in rising rates Financial institutions need to be intentional with funding strategies and loan pricing models. You might also like this video on managing interest rate risk. 4.75% over the course of 2022 and 2023. 4.75% over the course of 2022 and 2023.

Risk Management 195

Risk Management Management Strategy 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." Learn how to tap your data to generate management insights.

Report 195

Report Lending Trends Data 195

South State Correspondent

SEPTEMBER 27, 2023

Credit risks are increasing, and a brief window is available to solve problems on the margin. In this article, we analyze a typical bank loan portfolio to uncover its weaknesses and then point out some improvements that can be put into place over the next year to limit risk. It is time to take risk off. cap rate back in 2019.

Lending 195

Lending US Marketing Capital 195

Abrigo

JULY 31, 2022

Using the OCC Interest Rate Risk stats for asset/liability management models Financial institutions can use statistics in the OCC Interest Rate Risk Reports to gauge whether their bank is an outlier on the risk scale. You might also like this webinar, "Banking in a rising-rate environment."

Report 195

Report Survey Comparison Regulation 195

Abrigo

MAY 20, 2022

Meet Model Risk Management Expectations Updates to the FDIC Risk Management Manual should steer institutions toward a model that manages risk and drives growth. Takeaway 1 Aside from meeting examiner expectations, proper model risk management can protect your institution from unnecessary risk. .

Risk Management 195

Risk Management Management FDIC Meeting 195

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." Inflation, interest rates, hedging.

Management 195

Management Risk Management Policies Lending 195

Abrigo

MARCH 24, 2023

Best practices for your BSA/AML risk assessment Learn top tips for creating a risk assessment to capture your credit union's risk. You might also like this resource: "BSA/AML risk assessment checklist." READ Takeaway 1 Documentation is one of the most critical aspects of performing a risk assessment.

Fraud 195

Fraud Compliance Examples Analysis 195

Abrigo

OCTOBER 14, 2022

Fortify your credit risk management framework How to prepare your organization for scrutiny of its credit risk management practices during your next exam or review. . You might also like this whitepaper, "Stress Testing: Managing Capital Levels and Credit Risk." keep me informed. Know your limits.

Risk Management 195

Risk Management Management Policies Lending 195

Abrigo

DECEMBER 1, 2021

Takeaway 2 It's imperative that FI senior management demonstrate commitment to a robust loan review program. . Takeaway 3 The scope must be defined in advance for a loan review to provide value and meaningful data. . Banks are required by regulators to have formal risk rating policies in place to determine how ratings are assigned.

Risk Management 195

Risk Management Lending Policies Management 195

Abrigo

JUNE 7, 2021

Risks ALM Addresses Will Affect Performance and Strategy Asset/liability management models and processes address credit risk, liquidity risk, and interest rate risk. . Takeaway 1 The pandemic has shown that financial institutions deal with a variety of risks that can impact cash flow and capital. .

Management 195

Management Risk Management Capital Regulation 195

Abrigo

MAY 27, 2022

What Makes a Successful Credit Manager Focusing on these traits can only help you become a better credit manager at your financial institution. Takeaway 3 Have integrity. 5 Traits of the Ideal Credit Manager. Below are five traits integral to being a successful credit manager. Credit Risk Management.

Management 195

Management Risk Management Analysis Lending 195

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. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report 195

Report Risk Management Capital Data 195

South State Correspondent

OCTOBER 10, 2022

FTP was introduced to banks in the early 1980s to help manage interest rate risk on a transactional basis. FTP was initially adopted to enable front-line business units to lay off interest rate risk in their loans and deposits to a central treasury function. Funds Transfer Pricing Framework.

Community Bank 195

Community Bank Community Examples Management 195

Abrigo

NOVEMBER 13, 2023

Takeaway 3 Utilize guidance lines to streamline the approval process for customers with fluctuating credit needs Fine-tune annual review Keeping annual review simple Annual loan reviews are a critical component in monitoring the health of a credit after it is initiated. How

Analysis 195

Analysis Lending System Survey 195

Abrigo

AUGUST 30, 2022

Takeaway 1 Commercial loans have remained strong through the pandemic despite high inflation rates and unstable conditions. Takeaway 3 Risk mitigation is essential to understanding the impact of lines of credit on profitability and allowance. Current rate and market conditions. Current rate and market conditions.

Strategy 195

Strategy Lending Risk Management Analysis 195

South State Correspondent

JUNE 13, 2023

Our job at Loan Command and on the ARC hedge desk is to help bankers win business, offer borrowers competitive structures and pricing, and maximize bank profitability while reducing risk. Unfortunately, floating-rate loans generally have conflicting outcomes. The bank can gain an above-average risk-adjusted return on equity.

Marketing 195

Marketing Examples Capital Management 195

South State Correspondent

AUGUST 16, 2023

Short-term interest rates will remain at 5.60% for most of the year, and inflation will persist. Due to growing economic stress and higher rates, early retirees are returning to the market. These are cash flow management tools that send a signal of future problems. There is a record low in rate/term refinancings.

Trends 195

Trends Cards Capital Data 195

Abrigo

AUGUST 24, 2023

Adapting to higher interest rates What does the "higher for longer" scenario for interest rates mean for U.S. Experts from Derivative Path discuss rate implications. ZN: What challenges have lenders encountered in this environment of rapidly rising rates? financial institutions and borrowers? banks and borrowers.

Strategy 195

Strategy Risk Management Lending Management 195

Abrigo

AUGUST 28, 2022

Takeaway 3 Explore loan pricing model options and make sure you are thorough in the method you choose. Financial institutions that structure and optimize pricing for loans are able to make sure they are adequately compensated for the risk they are taking. Takeaway 1 Optimize profitability through loan pricing models.

Software 195

Software Lending Philadelphia Capital 195

Abrigo

MAY 18, 2023

You might also like this webinar, "Return to basics: Asking the right credit risk questions." Takeaway 3 Use these tools to consider how much their resources can support while meeting regulatory expectations. How broad a field does loan review need to plow to unearth potential credit risks and assess overall credit quality?

Lending 195

Lending Training Guidelines Policies 195

Abrigo

JANUARY 11, 2022

Asset/liability management basics In part 1 of this "Introduction to ALM" blog series, learn the goals of asset/liability management and how it can help financial institutions. You might also like this webinar, "ALM Basics: Best Practices in Measuring, Monitoring, and Controlling Interest Rate Risk" WATCH.

Management 195

Management Meeting Capital Strategy 195

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. Banks can then measure the economic value obtained from each action taken separately.

Lending 195

Lending Capital Management Tools 195

Abrigo

FEBRUARY 1, 2023

Where rates are headed As regulators focus on interest rate forecasts, remember that flattening, steepening, or inverting yield curves can influence your projections. Many experts predict that the Fed is nearing the end of the rate hikes they started to rein in inflation. A fed funds rate that stays in the 4.5-5.5%

Marketing 195

Marketing Strategy eBook Policies 195

Abrigo

MAY 19, 2023

You might also like this webinar, "Return to basics: Asking the right credit risk questions." WATCH Takeaway 1 Loan review officers must figure out how to adhere to the FDIC’s guidance on loan review and credit risk review systems.

System 195

System Regulation How To Lending 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. . Takeaway 1 A system for ongoing, independent credit risk review will not look the same from institution to institution. Would you like other articles on loan review in your inbox?

System 195

System Lending Policies Regulation 195

Abrigo

JANUARY 27, 2022

Higher Fed Rates Ahead: Plan Now to Manage Impact on Deposits The Fed's signal of higher interest rates reiterates the importance of financial institution ALM and deposit management strategies, policies, and programs. . Interest Rates. Tighter Fed policy puts ALM in focus. Tighter Fed policy puts ALM in focus.

Strategy 195

Strategy Management Policies Lending 195