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Silicon Valley Bank Failure – Lessons in Interest Rate Risk Management

South State Correspondent

While we will cover the general lessons HERE , in this article, we wanted to focus on the root cause – how and why interest rate risk caused the second-largest bank failure in US history (Washington Mutual was the largest in 2008). Equally important is the bank’s securities duration, as shown in the graph below.

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5 Reasons to Increase SBA Lending at Your Bank or Credit Union

Abrigo

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Would you like others articles like this in your inbox? Takeaway 1 SBA lending can expand your product offerings to help win deals with prospects and existing business customers or members. Why SBA Lending?

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Food for Thought: A Policy on Credit Exceptions

Abrigo

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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Independent Loan Review & Credit Risk Review System Objectives

Abrigo

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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5 Reasons to Increase SBA Loan Origination at Your Bank or Credit Union

Abrigo

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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How to Choose a Hedge Provider as a Bank

South State Correspondent

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.

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Community Bank Outlook: Challenges and Opportunities in 2021 and Beyond

Abrigo

Would you like other articles like this in your inbox? according to FFIEC and FDIC data. 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.