Commercial Credit Analysis 101: Back to Basics

Abrigo

The basics of commercial credit analysis Learn the foundations of credit analysis, including key data analysis strategies and best practices. . For more information on the basics of credit analysis, check out this webinar: WATCH NOW. Credit Analysis Training.

Beyond Peer Analysis: Adopting a Benchmarking Mindset

Independent Banker

Bank regulators created the UBPR “peer analysis” to help further their own mission of prudential regulation, and it’s not a great substitute for the bank’s own performance benchmarking. Peer analysis vs. benchmarking? Peer analysis” complete.

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Looking at New Tech? Don’t Forget the Cost Analysis, Ally CIO Says

Bank Innovation

An old-school cost analysis will do, according to Michael Read More. Corporate Innovations Mobile Operations Technology Wealth Management Ally Financial innovation new tech robos TradeKingBanks have been fairly active in tapping into new technologies recently, either through partnerships or with internal innovation groups. But with the rapid acceleration of the fintech space, how should banks decide if a new space or tech is worth pursuing?

What’s holding you back from modern banking operations?

Accenture

In the first of a four-part series, our team of guest bloggers will share how getting to simplified, future-ready bank operations may be more easily imagined. . However, banks are unable to support this if they do not modernize their operations. North America bank operations executives say that by 2020, up to 40 percent of their bank’s spending on digital transformation will be in operations. 1 So, how do banks get to simplified, future-ready bank operations?

ICC Taps Global Credit Data To Broaden Trade Risk Analysis

PYMNTS

The addition of data from Global Credit Data will enhance that risk analysis and visibility for financial institutions (FIs) ahead of the release of the next Trade Register report, expected early next year. Global Credit Data will lead the collection of data for the Trade Register from member banks in an effort to provide an unbiased view of trade credit risk for banks’ export and import finance operations.

Checking Analysis: The Betamax of Bank Products

Jeff For Banks

If we did, would we continue to offer Analysis Checking or some variation of it? Because of Reg Q, in place for over 80 years, banks created Business Analysis Checking, where a business earns credits to offset fees based on their balances. See a Union Bank of Richmond, VA description of a typical Business Analysis Checking account. And because highlighting a problem without proposing a solution is whining, I propose the JFB Alternative to Business Checking Analysis.

The Not So “Secret Sauce” of Data Analysis

Perficient

Every organization manages data internally that provides support in running the operations, as well as to provide enriched content to an external audience such as buyers or distributors. For more information on data analysis, contact our experts today.

Sinemia Shuts Down U.S. Operations Amid Lawsuits

PYMNTS

operations. In a letter on its webpage, Sinemia said it was ending operations in the U.S. While we are proud to have created a best-in-market service, our efforts to cover the cost of unexpected legal proceedings and raise the funds required to continue operations have not been sufficient. operations,” Sinemia wrote in the letter. Sinemia , the movie theater subscription service that tried to take a page from MoviePass, is shuttering U.S.

How A Local Lens For Risk Analysis Can Fight Global Money Laundering And Fraud

PYMNTS

Payment processors expanding their operations into new industries and markets have their work cut out for them, however. Payment processors typically integrate into back-end business software and help merchants accept funds, but their role exceeds helping companies pay and be paid.

How Splunk Analysis and Kafka Connect Works

Perficient

Kafka Connect has two modes of operation—Standalone mode and Distributed mode. Architecture Design Development Devops Integration & IT Modernization Operations SplunkGeneral Introduction.

How to Build a Simple, but Telling Competitive Analysis

SWBC's LenderHub

Can I get a copy of your competitive analysis?” Sales Management Risk Management Increase Customer Base Customer Loyalty Other Operations Management eurovector | Shutterstock. During my days as an independent consultant, companies most often asked me to help them build their strategic direction. My first question was as reflexive as swatting a mosquito on the back of my neck. That was usually followed by a blank stare.

Gearing Up New Operations

Independent Banker

When Leto took the executive helm last year of Bryn Mawr Trust’s parent company, it was operating a very small insurance agency that was hardly making money. “We For the eight acquisitions Bryn Mawr Trust has done in insurance, wealth management and banking in recent years, there were 50 others the bank didn’t pursue because of the background analysis performed by its due diligence team, Leto says. “We General Highlighting Operations & Management

Jet Harnesses Consumer Analysis Tech For Business Loan Applicants

PYMNTS

” Last March, Jet announced that it commenced efforts to expand its small business lending operations into Texas. Financial services firm Jet Capital is focusing on speed. In an announcement by the company on Friday (June 24), Jet revealed upgrades to its software suite that target the speed at which small businesses can access working capital loans. The new software accelerates application evaluations, and enables Jet to provide a company with loans within 24 hours, the firm said.

Bike Sharing Co Mobike Backpedals Operations To Focus On China

PYMNTS

Chinese bike sharing company Mobike, which once attracted billions from big-name investors, said it is closing down all of its operations around the world, to focus solely on China. Mobike ran a lot of analysis on profits and losses in the [overseas] region and came to the conclusion that there is no way it would turn profitable.”. Competitor Ofo was suffering financially and had to pull out of operations overseas.

4 Lessons to be covered in Sageworks Credit Analysis User Groups

Abrigo

Each event will feature 2 tracks: one for users of Sageworks Credit Analysis and one for users of Sageworks ALLL. Here are 4 key lessons to be covered during the Sageworks Credit Analysis User Groups. Common Mistakes Made in Credit Analysis – Attendees of Sageworks User Groups will hear what some of the most frequently made mistakes are when it comes to analyzing commercial credits so they can avoid these missteps in their own analysis.

Enhance Collections Operations through Optimization

Fico Collections

What most do not fully appreciate or haven’t seen in operation is how an optimization tool can truly enhance a collection program to increase revenue, make better use of staff, and simultaneously increase the customer experience. Most large collection operations use predictive models.

Chef’d Halts Operations After Burning Through Cash

PYMNTS

Chef’d , a the meal-kit operator, has halted its business operations after using up all its cash and failing to line up more of it. Due to some unexpected circumstances with the funding and business, I regret to inform that Chef’d has ceased all operations until our investors and lenders decide the final fate of the company,” the company’s chief technology officer wrote in an email to a supplier Tuesday (July 17), reported the Wall Street Journal.

Improved Digital Banking Customer Experiences Requires Operational Excellence

The Financial Brand

Operational improvement in banking provides the foundation for increased efficiencies, improved customer experiences and new business models.

Analysis of the deal: SEB's investment in Tink

Bobsguide

Late last month Swedish fintech Tink announced that secured an additional €14m in funding to scale up its financial aggregator operation and move into new markets. The major investor in the tech company, and one its early adopters, is Nordic bank SEB. bobsguide sat down with Rasmus

Enhance Collections Operations through Optimization

Fico Collections

What most do not fully appreciate or haven’t seen in operation is how an optimization tool can truly enhance a collection program to increase revenue, make better use of staff, and simultaneously increase the customer experience. Most large collection operations use predictive models. More sophisticated departments take this a step further and build their own predictive models using historical data from their own operations.

Identifying Tax Fraud through Social Network Analysis

FICO

Social Network Analysis (SNA) tools hold the potential to help tax and revenue agencies identify non-compliance and tax fraud. Social Networking Analysis Explained. A Social Network Analysis can automatically compare the new registration in real-time to previously closed businesses. When a business ceases operation, the business can re-open in a new location or under new ownership. The post Identifying Tax Fraud through Social Network Analysis appeared first on FICO

3 Traits of a Strong Loan Reviewer – Video

Abrigo

As a loan reviewer, you need to be technically sound in order to do your job, which means you need to have a fundamental understanding of financial analysis, tax analysis, and all of the regulatory laws that surround the credits that you’re going to be reviewing,” Cooley says.

Video 195

Is Your Collections Operation Ready for the Economic Recovery?

Fico Collections

Analysis shows that as we start to approach a post-pandemic stage in some of the region’s markets, extra savings are already being used to help prop up household finances.

Mobile Operators and Coronavirus: Ideas to Help Slow the Spread

FICO

Whilst it isn’t a new concept, the prospect of using telecoms operators’ network data to help officials map, predict and contain the spread has been mooted in several quarters.

5G Partnership Analysis: The Wireless Carriers, Chipmakers, & Equipment Makers Pushing The Spectrum Forward

CB Insights

As mobile network operators (MNOs) like Verizon , T-Mobile , Sprint , and AT&T race to offer 5G services, they have recently begun partnering with equipment manufacturers like Ericsson and Nokia to develop the underlying infrastructure. The post 5G Partnership Analysis: The Wireless Carriers, Chipmakers, & Equipment Makers Pushing The Spectrum Forward appeared first on CB Insights Research.

Optimize Your Financial Institution’s Loan Review Process – Video

Abrigo

It is integral to the safe and sound operation of every insured depository institution, according to the 2020 regulatory guidance on credit risk review. Credit Analysis Training Credit Risk Management Lending & Credit Risk Loan Review and Due Diligence Member Business Lending

Video 195

Making omni-channel a reality – Part 4: Assess your operating model

NCR

One of the key stages of an omni-channel transformation is assessing your existing operating model and looking for ways it can be improved. However, there are some significant obstacles to achieving these objectives, one of which is the existence of manual operational processes within many banks, which can raise the risk of inefficiencies, human error and compliance failings. Most importantly of all, it should connect back to your operations.

CFPB Says Individual Liberty is Not a Relevant Consideration in the Constitutional Analysis of its Structure

CFPB Monitor

It seems obvious that a different structure demands a different analysis. In making this argument, the CFPB ignores the underlying separation of powers issue by insisting that the protections for individual liberty in the structure of other independent agencies are irrelevant to the constitutional analysis. Theodore R. On March 31, the CFPB and supporting amici submitted their briefs in the en banc rehearing of the PHH case.

Does your bank achieve positive operating leverage?

Jeff For Banks

When a significant portion of your cost structure is fixed, then growing revenues should generate positive operating leverage. Clearly, part of this consolidation wave was attributable to FIs striving for economies of scale and positive operating leverage. Has this consolidation, partly designed to give surviving institutions scale so they can spread relatively fixed costs over a larger franchise, resulted in positive operating leverage?

Independent Loan Review: 3 Advantages for Financial Institutions – Video

Abrigo

Ideally, your loan review should operate like a radar, going out and touching the portfolio, constantly scanning, and looking for weaknesses.”

Video 195

Study Shows Strong Relationship Between Credit Score Review and Credit Score Increase

Bank Innovation

We conducted an analysis of consumer behavior patterns and […]. Capital Compliance Lending Mobile Online Open Fintech Operations Payments Retail Risk Sponsored Startups Uncategorized artificial intelligence credit score Credit SesameCan regularly checking your credit score actually help improve your results? We wanted to know the answer to that critical question, so Credit Sesame partnered with Megan Hunter Antill and Jessica Yu, Ph.D.,

Study 203

10 Keys to Apple Pay: The Quick and Dirty Analysis

Javelin Strategy & Research

Overall Analysis: Apple Pay is the most important mobile payment system to be released to date. 2) Mobile Network Operators , like Verizon, AT&T, Sprint and T-Mobile were left out of the equation even though it is based on an NFC chip on the phone.

Hiatus' bill management app raises funds to reach new operating systems

Payments Source

Hiatus joins a growing market for companies that use payment analysis to help consumers manage and reduce expenses for recurring bills. Bill pay Apps Apple Google

CFPB Says Individual Liberty is Not a Relevant Consideration in the Constitutional Analysis of its Structure

CFPB Monitor

It seems obvious that a different structure demands a different analysis. In making this argument, the CFPB ignores the underlying separation of powers issue by insisting that the protections for individual liberty in the structure of other independent agencies are irrelevant to the constitutional analysis. On March 31, the CFPB and supporting amici submitted their briefs in the en banc rehearing of the PHH case. We have blogged extensively about the PHH case in which the D.C.

FTC Warns Of COVID Scams, Cracks Down On Fake Job Schemes

PYMNTS

The Federal Trade Commission (FTC) has announced a new operation, Operation Income Illusion, to crack down on fraudsters targeting victims with fake promises of jobs or income, according to a press release.