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. Lending & Credit Risk. For rookies and experts.

Resources 195

Resources Risk Management Study Strategy 195

Perficient

MARCH 3, 2022

The Office of the Comptroller of the Currency (OCC) recently released the economic and financial market scenarios that will be used in the upcoming stress tests for covered institutions. Equity market volatility, as measured by the Chicago Board Options Exchange Volatility Index (VIX), declines in 2022 by about 6.5

Capital 294

Capital Regulation Exercises United States 294

SWBC's LenderHub

APRIL 25, 2022

As we enter into Q2 2022, the already strong used vehicle market is expected to heat up. Experts at Cox Automotive predict the coming months will be the strongest part of the year for vehicle sales:

Marketing 78

Marketing Trends Lending 78

Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. anticipates a low double-digit increase in its commercial lending in 2022.

Lending 158

Lending Community St. Louis Community Bank 158

Gonzobanker

DECEMBER 7, 2023

It’s time for banks and credit unions to finally execute those C&I lending priority initiatives. Senior bank and credit union executives have ranked commercial and industrial (C&I) loans as a top lending priority over the past several years in Cornerstone Advisors’ annual What’s Going On in Banking research.

Lending 149

Lending Analysis Strategy Management 149

Abrigo

FEBRUARY 23, 2022

Loan Decisioning Allows Small Business Lending to Grow Community financial institutions can leverage automated loan underwriting to increase small business lending and achieve consistency. . Takeaway 2 Loan decisioning allows institutions to efficiently allocate credit analysts’ time for profitable small business lending.

Lending 195

Lending Community Bank Community Analysis 195

CB Insights

JANUARY 26, 2023

The fintech industry took a hard hit in 2022 as investors scaled back their investments amid market turmoil. DOWNLOAD THE STATE OF FINTECH 2022 REPORT Get the latest data on global fintech investment trends, the unicorn club, sectors from banking to payments, and more. Fintech is central to a16z’s investment strategy.

Strategy 101

Strategy Fintech blockchain Lending 101

CFPB Monitor

NOVEMBER 28, 2022

On November 17, 2022, the Consumer Financial Protection Bureau (“CFPB”) announced in a blog post that it is in seeking to build a new data set that “will allow for a more robust understanding of market trends” in the auto market. But, despite its size, we know much less about the auto lending market.

Data 147

Data Marketing Lending Trends 147

CFPB Monitor

JULY 6, 2022

The CFPB has published its Spring 2022 rulemaking agenda as part of the Spring 2022 Unified Agenda of Federal Regulatory and Deregulatory Actions. Even the two items that appeared as long-term actions in the Fall 2021 agenda, artificial intelligence and mortgage servicing, no longer appear in the Spring 2022 agenda.

Lending 78

Lending Regulation FDIC Data 78

Abrigo

FEBRUARY 25, 2022

Personalized Touch with Efficient Service Can Boost Lending Banks and credit unions can boost business lending by combining a relationship focus with transaction-oriented processing. . This competition can only increase as the lending landscape continues to shift. Streamlined, Quick. Win more business loans you want.

Lending 195

Lending St. Louis Community Survey 195

Independent Banker

DECEMBER 31, 2021

What changes will 2022 bring? And as local economies continue to stabilize and many challenged industries bounce back, 2022 may be the year community bankers put the rubber to the road by revisiting goals and turning them into action items. What will drive profit in 2022? markets. So, where to put those deposits to use?

Community Bank 144

Community Bank Community Lending Louisiana 144

Independent Banker

FEBRUARY 28, 2022

The question is whether financial institutions will feel the positive impact of the current indicators or if uncertainty and volatility in the mortgage market will prevail. As we look into 2022, expert opinions on the direction of interest rates are mixed. Developing leaders in mortgage lending. While the U.S.

Leadership 91

Leadership Strategy Lending Community Bank 91

Bobsguide

APRIL 21, 2022

Finastra appoints Isabel Fernandez to accelerate lending business growth. Company welcomes Isabel to the Finastra leadership team, as EVP, Lending Business Unit. The post Finastra appoints Isabel Fernandez to accelerate lending business growth appeared first on Bobsguide. I’m looking forward to getting stuck in.”. Paddington.

Lending 109

Lending Leadership Community Software 109

South State Correspondent

APRIL 9, 2024

We estimate that the average contractual loan commitment for term credit at community banks has decreased from just under five years in 2022 to just under three years currently. Changes in Market Expectations: Markets can move rapidly and market participants do not always clearly appreciate the impact of forward projections.

How To 195

How To Community Community Bank Marketing 195

South State Correspondent

MAY 3, 2023

As a side note, FRB’s long-term fixed-rate loans had a carrying value of $137Bn at the end of 2022 but a fair value of $118Bn, or a loss that more than wiped the bank’s $14Bn in capital. In fact, we had a conversation just last week with the head of a lending division at a large regional bank.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

As a side note, FRB’s long-term fixed-rate loans had a carrying value of $137B at the end of 2022 but a fair value of $118Bn, or a loss that more than wiped the bank’s $14B in capital. In fact, we had a conversation just last week with the head of a lending division at a large regional bank.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

As a side note, FRB’s long-term fixed-rate loans had a carrying value of $137B at the end of 2022 but a fair value of $118Bn, or a loss that more than wiped the bank’s $14B in capital. In fact, we had a conversation just last week with the head of a lending division at a large regional bank.

Lending 195

Lending Capital Management Tools 195

Perficient

FEBRUARY 16, 2021

The Fed’s Comprehensive Capital Analysis and Review (“CCAR”) stress tests are designed to ensure that large banks are able to lend to households and businesses even in a severe recession. In 2020, the Federal Reserve found that large banks were generally well-capitalized under a range of hypothetical events.

Exercises 309

Exercises Capital Analysis Lending 309

Independent Banker

JANUARY 31, 2022

Jenny Bennett, market president at $850 million-asset Summit Bank in Eugene, Ore., Small business microlending has traditionally been a tough market to serve for banks of all sizes due to the cost inefficiencies. which operates $12 billion-asset OceanFirst Bank N.A. in Toms River, N.J. saw something similar. Creating new partnerships.

Lending 150

Lending Community Community Bank Compliance 150

CB Insights

JULY 12, 2022

Consumer-facing finance company SoFi has traditionally been known for its lending services. The company went public in 2021, and now has a market cap of over $5B, even amid 2022’s widespread slump in tech stocks. <span q1 2022 brought a -18% decline in quarterly fintech funding. .</p>

Lending 84

Lending Strategy Company Regional 84

Perficient

JULY 8, 2021

The Fed’s Comprehensive Capital Analysis and Review (“CCAR”) stress tests are designed to ensure that large banks can lend to households and businesses even in a severe recession. The Federal Reserve released in late June the results of its annual bank stress tests. Test Results.

Capital 309

Capital Exercises Analysis Lending 309

FICO

FEBRUARY 21, 2023

Another full year is in the books As 2022 came to a close, the economic environment in the United States is teetering on the edge of a recession. Inflation is easing as funding rates have risen to 15-year highs, but the technology sector is beginning to lay off employees in masses – through 2022 low levels of unemployment kept the U.S.

Trends 52

Trends Industry US Cards 52

Bobsguide

JULY 7, 2022

Lake Mary, FL, US – June 30, 2022 – Finastra today unveiled its embedded consumer lending solution, enabling access to traditional regulated lending options for consumers at point-of-sale (POS). For merchants, the BaaS platform provides access to numerous lenders and their specific products.

Lending 68

Lending Seattle Regulation US 68

FICO

JANUARY 28, 2022

2022 FICO Decisions Award Winners - Decisions That Matter. I am thrilled to announce the winners of the 2022 FICO® Decisions Awards. . The class of 2022 show that analytic technologies can have a profound impact and deliver on the decisions that really matter to people. 2022 FICO Decisions Award Winners. 2022 Judges.

Meeting 52

Meeting Fraud Florida Compliance 52

Independent Banker

NOVEMBER 30, 2022

An entrepreneur with a background in accounting and finance, CEO and chairman of the board Thomas Swenson set up Montana Business Capital Corporation in 1998 with a focus on job creation and economic development lending. If you do that, they will stay with you,” says Karen Richards, VP of marketing of CNB Bank in Berkeley Springs, W.Va.

Community Bank 169

Community Bank Community Montana Leadership 169

Jeff For Banks

DECEMBER 16, 2022

I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance than those that make those investments. As of or for the year-to-date September 30, 2022, the Company had $3.1 MetroCity Bankshares, Inc.

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

The Financial Brand

OCTOBER 11, 2021

Here's what banks and credit unions need to know to stay competitive in this vital market. The post Three Key Trends Will Dominate the Auto Lending Landscape in 2022 appeared first on The Financial Brand - Banking Trends, Analysis & Insights. Auto finance is dramatically changing.

Trends 32

Trends Lending Banking Trends Analysis 32

FICO

NOVEMBER 23, 2021

FICO has announced its panel of independent judges for the 2022 FICO® Decisions Awards , which honor businesses achieving outstanding results using analytics and decision management technology to grow their business, manage risk and reduce costs. 2022 Judges (Left to Right): Sidhartha Dash, Paul Deall, Senthil Erulappan, Armando Junior.

Meeting 52

Meeting Analytics Risk Management Management 52

South State Correspondent

JULY 10, 2023

The largest 20 banks in the country by asset size and their interest rate notional swap position at the end of 2022 are shown below. Notably, the two banks with zero or nominal swap notional at the end of 2022 are now defunct institutions (First Republic Bank and Silicon Valley Bank). The average US Bank asset duration was around 3.9

Community Bank 195

Community Bank Community Tools Management 195

The Financial Brand

JANUARY 5, 2022

Fintechs are making deep inroads in the small business banking market, including lending, forcing banks to up their game. The post Top Trends Transforming Business Banking in 2022 and Beyond appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Trends 41

Trends Banking Trends Analysis Lending 41

South State Correspondent

OCTOBER 23, 2022

This rapid change in interest rates requires careful planning, product selection, and new lending and deposit-gathering strategies. The FOMC members revised their end-of-2022 Fed Funds target rate by 3.75% over nine months. Mar 2022 – Sep 2022. Higher Rates Due To A Suprised Fed. Mar 1988 – May 1989.

Community Bank 221

Community Bank Community Meeting Lending 221

FICO

FEBRUARY 7, 2023

Home Blog FICO Top 5 Scores Posts of 2022: Steady FICO Score, BNPL and Alternative Data 2022 marked the first year in over a decade the average FICO Score did not increase, while the industry’s attention remained on topics such as alternative data and BNPL.

Data 52

Data Lending Report National 52

CFPB Monitor

NOVEMBER 21, 2022

The CFPB has released the Fall 2022 edition of its Supervisory Highlights. Accordingly, this represents the first edition of Supervisory Highlights in which all of the examinations discussed in the report took place under the leadership of Director Chopra.

Report 78

Report Cards Lending Management 78

Abrigo

FEBRUARY 23, 2023

For smaller banks, longer-term industry consolidation trends and competition are also eroding deposit market share. According to the Federal Reserve Bank of Kansas City , community banks’ deposit market share dropped to 15% in 2022 from 22% in 2013. People have other options,” Kirby said. The result? The result?

Community Bank 195

Community Bank Kansas City Community Lending 195

Abrigo

OCTOBER 21, 2021

Takeaway 3 Exploring lending opportunities and examining loan and deposit pricing are among steps that make sense while awaiting a Fed rate hike. Increases in interest rates are a signal the economy is continuing its recovery which will inherently increase lending activity by both volume and rate. Watch Webinar.

Lending 195

Lending Strategy Trends Marketing 195

Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending.

Lending 243

Lending St. Louis Community Marketing 243

Gonzobanker

MAY 15, 2023

Data-driven best practices will help ensure a successful consumer lending transformation. Source: Cornerstone Advisors According to Cornerstone’s 2022 benchmarks, only 42% of financial institutions employ auto-decisioning in their consumer lending practices. Our firm would like to see that number much higher.

Lending 154

Lending Leadership System Data 154