South State Correspondent

FEBRUARY 27, 2022

In our article last week ( HERE ), we discussed how the yield curve is currently flat between the three and 20-year points. Current Risk in Term Lending. While community banks may want the ability to offer longer-term fixed-rate loans, the interest rate risk is too significant for most banks’ balance sheets.

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Lending Community Bank Community Meeting 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. Would you like other articles like this in your inbox? Th e article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness.

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Resources Risk Management Study 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.

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Lending Capital Management Tools 195

South State Correspondent

MAY 2, 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.

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Lending Capital Management Tools 195

South State Correspondent

MAY 2, 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.

Lending 195

Lending Capital Management Tools 195

Abrigo

SEPTEMBER 5, 2023

In this article, I'll cover what a credit exception is, recommendations for creating loan/credit exceptions, and tips for developing an exception policy for the financial institution. unsecured lending is bad rather than unsecured lending should only be extended to high pass risk rated credit).

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

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System Lending Policies Regulation 195

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Want other articles like this on SBA loan origination in your inbox? Takeaway 2 Far fewer financial institutions regularly participate in SBA (7a) lending than the more than 5,000 that joined the PPP. . Why SBA Lending?

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Lending FDIC Capital Risk Management 195

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. For many, commercial real estate lending may be the ticket. This reflects a larger industry trend.

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Community Bank Handbook Lending Risk Management 150

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Keeping up with OFAC Russian sanctions , customer due diligence regulations, and consumer lending compliance expectations can be challenging. For example, launching a new lending program is a great opportunity to explore a new know-your-customer platform.

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Keeping up with OFAC Russian sanctions , customer due diligence regulations, and consumer lending compliance expectations can be challenging. For example, launching a new lending program is a great opportunity to explore a new know-your-customer platform.

Technology 195

Technology Fraud Compliance Regulation 195

South State Correspondent

MARCH 14, 2024

In this article, we want to go deeper to show how by increasing your planning horizon, you can increase your long-term performance. Strategic Horizon and Capital As mentioned, the problem that bank’s often run into when it comes to strategic planning is their time horizon is too short. Risk management also needs to change.

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Innovation Strategy Capital Comparison 195

Gonzobanker

SEPTEMBER 21, 2023

Lending: Lending Leaves Change Color Abrigo acquired Valuant for compliance and credit risk and DiCOM Software for automated credit risk software and partnered with Charm Solutions to launch Abrigo Small Business Lending Intelligence. Credit union lending platform Clutch partnered with Zest.ai

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Fintech Software Illinois Lending 103

Abrigo

AUGUST 6, 2021

Would you like other articles like this in your inbox? Community banks are critical to ag lending and small business lending. Technology can help streamline and automate many manual lending processes, reduce compliance costs, and enhance risk management. In fact, one in five U.S. Digitalization.

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Community Bank Community Kansas City Lending 195

Abrigo

JUNE 17, 2015

Like other types of lending, banks must remain cautious to avoid too heavy of an agricultural concentration or too much lending within a certain ag segment. Without diversification, risks will be expounded. The challenge is that market conditions in this type of lending tend to be volatile.

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How To Kansas City Lending Analysis 150

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. Record new business formation and a wider gap between U.S.

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Lending St. Louis Community Marketing 243

Abrigo

JANUARY 11, 2022

Financial institution leaders and management should consider ALM as a process for making institutions more profitable and more effective at managing risk simultaneously. This initial ALM 101 article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness.

Management 195

Management Meeting Capital Strategy 195

Abrigo

MARCH 13, 2024

Would you like other articles like this in your inbox? Consequently, all stakeholders of CRE assets are understandably nervous, including bankers and their investors who, due to the highly leveraged nature of CRE transactions, provided the bulk of capital financing the industry. Want to learn more? Talk to a specialist.

Strategy 221

Strategy Course Meeting Taxes 221

Abrigo

AUGUST 3, 2017

Cheryl Monk, a writer in New York, reviews the de novo environment in her article published in the July 2017 issue of Independent Banker. Heightened capital requirements that must be met up front 3. Learn more about how Sageworks can help banks and credit unions grow profitably and mitigate risk. It is time intensive.

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Oklahoma City FDIC Handbook Oklahoma 150

Abrigo

MARCH 23, 2015

Consequently, interagency guidance on CRE concentration risk management , released in 2006, helps institutions pursue CRE lending with safety and soundness. This may include adding additional personnel with previous experience in the area or training lending staff accordingly. Blog Bank Credit Union'

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Community Bank Risk Management Community Analysis 150

Abrigo

MAY 5, 2022

Would you like other articles like this in your inbox? Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Lending & Credit Risk. Portfolio Risk & CECL.

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Community Lending Maine Resources 195

Jeff For Banks

MAY 20, 2017

Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. They need a marketing person to title their reports.

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Lending Regulation Community Community Bank 60

South State Correspondent

AUGUST 21, 2022

In this article, we will discuss what community banks should look for in a hedge provider, specifically in a loan-level hedging program. Lending Discipline: Hedging programs make loan pricing more transparent and force bankers to exercise sensible pricing methodologies. We also shared a table that summarized the two strategies.

How To 195

How To Community Bank Community FDIC 195

FICO

SEPTEMBER 30, 2022

Cortnie Abercrombie is a world recognized expert in AI and data analytics and has been named in media articles as one of “12 Brilliant Women in Artificial Intelligence & Ethics to Watch,” one of the “Top 100 Innovators in Data and Analytics,” and one of “10 Big Data Experts to Know.” Burcu Çalıcıoğlu, Akbank (previous winner).

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Meeting Analytics Management Strategy 52

CFPB Monitor

AUGUST 22, 2016

According to the CFPB, the new members “include experts in consumer protection, financial services, community development, fair lending, civil rights, consumer financial products or services, representatives of community banks and credit unions, and scholars with relevant methodological and subject matter experience.” ”

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San Antonio Kansas City Groups CA 60

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

South State Correspondent

APRIL 23, 2024

Banking has a similar physics problem when management juggles strategy, risk/profitability, and customer behavior. This article will discuss the challenge of managing three potentially opposing forces and look towards physics to help us solve the mystery. Cost cutting at banks often increases risk in unseen ways.

Risk Management 195

Risk Management Strategy Management Customer Experience 195

Gonzobanker

APRIL 23, 2020

It’s important that the institution understands which businesses might be labeled as high risk (e.g., Many providers catalogue news articles by looking for dirty words (bankruptcy, default, embezzlement) and action verbs (accused, convicted, indicted) to help cull the endless results of a Google search.

Management 80

Management Tampa Analytics Data 80

Lex Sokolin

DECEMBER 31, 2020

A cute little article about $90MM from order flow. The predecessor article is also pretty good , stating?—?The Decentralized Finance, Blockchain, and CBDCs Why Peer-to-Peer models fail against oligopoly, with Lending Club shutting down p2p platform, Seedrs/Crowdcube merging, and Morgan Stanley buying Eaton Vance for $7B.

Fintech 52

Fintech Bitcoin blockchain Google 52

Lex Sokolin

DECEMBER 31, 2020

A cute little article about $90MM from order flow. The predecessor article is also pretty good , stating?—?The Decentralized Finance, Blockchain, and CBDCs Why Peer-to-Peer models fail against oligopoly, with Lending Club shutting down p2p platform, Seedrs/Crowdcube merging, and Morgan Stanley buying Eaton Vance for $7B.

Fintech 52

Fintech Bitcoin blockchain Google 52

Abrigo

JUNE 29, 2022

farmers is even more unpredictable than in recent years, so financial institutions will want to keep a close eye on the agricultural sector -- both to protect ag lending portfolios and tap into ag loan growth opportunities. Stay up to date on the farm outlook and ag lending best practices. Ag Lending. Lending & Credit Risk.

Kansas City 195

Kansas City Kansas Lending Oklahoma 195

Abrigo

MARCH 24, 2021

Would you like others articles like this in your inbox? Nevertheless, many financial institution executives have taken – and are taking – steps that will help address their top concerns related to lending and profitability. Technology sets up future lending success. Capitalize on the momentum you gained during 2020.

Lending 221

Lending Technology Survey Examples 221

Abrigo

NOVEMBER 29, 2021

Financial institutions generate most of their income by lending and investment activities. This article looks at trends in growth and composition as well as legal, regulatory, and competitive pressure on noninterest earnings. Drive growth with integrated risk management. Roadmap for Effective Capital Planning: Start Here.

Community Bank 195

Community Bank Community FDIC Trends 195

Gonzobanker

DECEMBER 20, 2019

The company’s market capitalization, which after declining to less than $600 million in the 2009 recession, has now grown to almost $3 billion. Yet the Gonzo team has to give a shout out to the late entry of Texas Capital and Independent Bank. The Tech Award – Goes to Capital One. Best of luck in the next chapter, Chris!

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Idaho Conference Data Marketing 148

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

Gonzobanker

DECEMBER 22, 2015

In the age of Twitter, Apple Pay and Lending Club, it’s important to remember the shareholder performance delivered by Gleason and team when compared to the behemoths. Deluxe for its article titled, “Checks Are Dead, Does This Still Count As News?” Bravo OZRK! Vendor PR Headline that Had Us Scratching Our Heads.

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Community Bank Apple Community Technology 60

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. Wealth management. credit cards per capital in the US.

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US Fintech Mobile Regulation 78