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. FDIC FIL-46-2013 October 8, 2013. ALM should be used to create value in all interest rate environments. ALM seen as checking the box.

Management 150

Management FDIC Community Risk Management 150

Abrigo

AUGUST 8, 2021

Independent Loan Review Systems in Banking Banking regulators have outlined expectations for effective, independent loan review and credit risk review. . This article is substantially updated from a 2013 blog post. Would you like other articles on loan review in your inbox? Identifying Credit Weaknesses.

System 195

System Lending Policies Regulation 195

Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending.

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

AUGUST 2, 2021

1/ @Schornack At the end of July 2013, we invested $1.8MM to buy 49% of Flagship Financial Group, Inc. 2/ @Schornack The primary asset of the organization was Flagship Bank Minnesota, a Member FDIC and Equal Housing Lender with two locations in the Twin Cities Metro Area. Jackie Herman, our COO 2013. million in assets and $233.7

Community Bank 78

Community Bank Community Minnesota Metro 78

PYMNTS

OCTOBER 13, 2016

which was added in 2013. “We Our focus has always been on user experience and for them to get capital in less than ten minutes. In a highly regulated sector, regulations are ever-evolving, which can implicate, limit and change relationships. Petralia remembers back to 2009 when the team was looking for a bank partnership.

Regulation 100

Regulation Lending US FDIC 100

Jeff For Banks

FEBRUARY 3, 2018

In 2013, there were 6,812 FDIC-insured financial institutions. And capital ratios have held steady and strong. In fact, if you listen to some institutional investors, the industry is over-capitalized. And I have never heard a regulator say the phrase "over capitalized". Where are we and where have we been?

Taxes 60

Taxes Regional Industry Trends 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. The DOJ Finding. In 2010, LendingClub added to its war chest with a $24.5

Lending 135

Lending Fraud Management San Francisco 135