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. Blog Bank Credit Union'

Guidelines 223

Guidelines Payments Lending Capital 223

BankUnderground

MARCH 6, 2024

Refinancing of bond debt is important as the UK corporate funding landscape has materially evolved since the late 2000s with companies reducing their dependence on bank borrowing and increasing their use of market-based finance (MBF). Chart 1: Debt-weighted share of refinancing needs for UK PNFC bonds (a) Sources: LSEG and staff calculations.

Policies 72

Policies Lending Data Marketing 72

Jeff For Banks

MAY 4, 2020

As the stock market faltered in March, we saw the Federal Reserve step up with emergency rate cuts and Quantitative Easing to buy bonds. As stocks worsened and bond markets traded in a volatile and chaotic manner, the Fed once again stepped in with a surprise rate cut (on a weekend!) The actions taken by the Fed stabilized markets.

Marketing 78

Marketing Philadelphia Community Bank US 78

Jeff For Banks

FEBRUARY 1, 2019

After a lengthy stretch of strong economic growth and stock market gains, the inevitable correction arrived with force in the fourth quarter, culminating with a December that can only be described as “tres terrible!” Back in 2008, the LHC started up with a bang and led to all kinds of new physics particle knowledge. Thanks for reading!

Marketing 60

Marketing Community Bank Community Risk Management 60

PYMNTS

OCTOBER 1, 2018

The DOJ investigation centered on whether LendingClub had – between January 2009 to September 2010 – misled its FDIC-insured loan originator, WebBank , leading the bank to underwrite over 200 loans that did not conform to the bank’s lending requirements. Attorney Alex Tse. “We The Response. The Rundown on the Run-up to the Decisions.

Lending 135

Lending Fraud Management San Francisco 135

FICO

DECEMBER 8, 2022

Lenders must adopt a similar mindset as they manage the financial health of their consumer lending portfolios to insulate their existing assets from potential portfolio risk volatility. Of course, credit risk management is only one aspect of portfolio health.

Risk Management 52

Risk Management Management Strategy Examples 52

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. Between 1995 and its peak in March 2000, the Nasdaq Composite stock market index rose 800%, only to fall 740% from its peak by October 2002, giving up all its gains during the bubble. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate?

FDIC 78

FDIC Community Bank Regulation Lending 78

BankUnderground

JUNE 25, 2020

In the case of data on the UK derivatives market, where each contract is reported to trade repositories , this sums to more than one billion rows of data every month. Finally, a third risk is that such restrictions inhibit innovative technologies that may improve the efficiency of financial services.

Data 105

Data Big Data Regulation Risk Management 105

Abrigo

DECEMBER 22, 2023

Takeaway 3 Updates on interest rate forecasting and best practices for managing CRE risk were among the most-read blogs. Abrigo's most popular risk management blogs over the last 12 months cover topics that continue to catch the attention of professionals and regulators. Which credit areas need routine "maintenance"?

Risk Management 221

Risk Management Regulation Management Lending 221

Lex Sokolin

DECEMBER 25, 2019

Ethereum’s decentralized lending and trading are floating around 2,500 daily users. The lending product above is a bit more complicated. Other things like Compound are essentially a securities lending marketplace?—?you Nothing like some good old financial engineering to lever up a small market!

blockchain 52

blockchain Bitcoin Software Lending 52

FICO

NOVEMBER 22, 2018

Many lenders in markets outside the US use FICO® Scores to assess the risk of consumers applying for loan, but don’t continue to monitor those consumers’ risk using the FICO Score. In this post, I will share analysis that shows why using account management scores is equally important. The FICO Score in Russia.

Management 45

Management Analysis Strategy Trends 45

Fintech Labs Insights

APRIL 27, 2016

Fintech Leader of the Year: Zopa Executive Chairman and Co-Founder, Giles Andrews – FinovateSpring 2008. “This award is recognition of the strength of our idea for peer-to-peer lending and the growth we have seen since then as the idea has moved mainstream,” Giles Andrews said. Innovation in Lending: Marketinvoice.

Innovation 12

Innovation Fintech San Jose Cyber Security 12

Jeff For Banks

OCTOBER 11, 2011

Another Volatile Quarter I know I risk sounding too negative, but we cannot seem to shake the crisis mentality that keeps whipsawing bond and stock markets. There has been a lot of talk about rescues from the European Union, but the markets want action. So why were the markets disappointed in the Fed’s forward guidance?

DC 66

DC Security Washington Risk Management 66

Abrigo

DECEMBER 19, 2019

Looking to mergers and acquisitions, institutions can expand into new areas of business or geographic markets. In 2020, we will likely see financial institutions putting more emphasis on automating time-consuming, manual processes that bog down lending decisions. In 2008, there were 7,061 FDIC-insured commercial banks in the U.S.

Lending 195

Lending Fraud Community FDIC 195

Perficient

MAY 17, 2022

The inevitable end of the chip shortage will expand the pool of vehicles to choose from and lower transaction prices as the market moves toward some semblance of normal. In 2008, when the housing bubble burst, homeowners lost the houses they could no longer afford. Up until now, it’s all good. Until it isn’t. It’s not pretty.

Strategy 294

Strategy Customer Experience Study Technology 294

Independent Banker

JUNE 30, 2022

But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Here, we highlight some of last year’s most successful loan producers in the areas of agriculture, commercial and consumer/mortgage lending. By Ed Avis.

Community Bank 172

Community Bank Community National Philadelphia 172

South State Correspondent

JUNE 13, 2022

Banks that are looking to enhance their risk management practices should consider incorporating the concept of the velocity of risk into their enterprise-wide risk management practices. Some risks occur slowly; others strike quickly and hard. Optimizing Risk.

Risk Management 195

Risk Management Examples social media Management 195

CB Insights

OCTOBER 4, 2018

As the financial affiliate of Chinese e-commerce giant Alibaba Group , Ant Financial encapsulates a fintech ecosystem that starts with its dominant mobile payments service, Alipay, and expands into credit scoring, wealth management, insurance, and lending. It considers tech services to be an enormous market opportunity.

US 78

US Fintech Mobile Regulation 78