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The top lending & credit risk blogs of the year

Abrigo

The most-read lending & credit blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023.

Lending 222
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CRE risk management: Navigating hazards and opportunities

Abrigo

WATCH Takeaway 1 Banks and credit unions are critical sources of capital for businesses in their communities, so how institutions assess CRE credits matters. Takeaway 3 Loan-level stress testing can help assess repricing risk, while capital stress testing helps clarify the impact of CRE loan losses on capital.

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I Can’t Connect to E-Tran – What Now?

Abrigo

New lenders must follow a two-stage process to set up access to E-Tran. This is a nightmare situation for any community banker whose mission is to help the customers and communities they serve.” Many bankers, however, are not even able to access E-Tran. E-Tran has been the subject of many frustrations.

Lending 321
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Commercial Credit Trends – Where to Tread Carefully

South State Correspondent

This data is critical for pricing, capital allocation, and marketing. When you write a blog, your work is there for all to see. In 2021, we published articles warning bankers against higher rates (for example, HERE ) and the resulting impact on credit. Lending is getting riskier. Once again, it is time to play more defense.

Trends 195
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Main Street Lending Program Broadened to Attract More Lenders, Borrowers

Abrigo

While this is a promising sign, 13.3% While this is a promising sign, 13.3% The Fed is authorized by the Treasury to provide up to $600 billion in loans to companies with less than 15,000 people, or an annual revenue of less than $5 billion. to 13.3% – a far cry from the near 20% expected. What happened? learn more.

Maine 195
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Budget Surplus? 5 Ways to Invest in Your Financial Institution with This Year’s Excess Budget

Abrigo

Takeaway 3 Signing up for 2022 conferences is another smart use of surplus budget funds, because some events are offering early-bird discounts. Two years ago, more bankers surveyed for that report named core deposit growth as their greatest challenge than any other issue. Beef up your loan pricing strategy.

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Preparing your financial institution to manage loan workouts, loan modifications

Abrigo

Takeaway 1 Signs point to increased loan modifications and loan workouts, and regulators have urged financial institutions to work prudently with borrowers. . Takeaway 2 Meanwhile, banks and credit unions will likely see a beefed-up regulatory emphasis on credit risk management practices, especially tied to CRE. .