Perficient

FEBRUARY 29, 2024

This blog was co-authored by Perficient’s Chief Strategist and banking expert: Scott Albahary A slowing global economy, coupled with a divergent economic landscape, poses challenges for the banking industry in 2024. Facilitation of embedded lending while ensuring compliance: Embedded finance initiatives must adhere to regulatory requirements.

Trends 221

Trends Industry Analytics Compliance 221

Abrigo

FEBRUARY 23, 2022

Making small business loans efficient and worthwhile Digitalizing the lending process can help financial institutions win small business loans and meet customers' needs. You might also like this webinar on small business lending best practices. Top problems in small business lending. Roadblocks to Success.

How To 195

How To Lending Software Survey 195

Perficient

SEPTEMBER 29, 2022

This blog marks Part 1 of our Embedded Finance Blog Series and will introduce the overarching concept of embedded finance, setting us up to discuss embedded payments, embedded lending, and embedded insurance (all of which fall under the embedded finance umbrella) in future blogs.

Customer Experience 294

Customer Experience Software Cards Data 294

PYMNTS

JANUARY 16, 2018

The Kansas businessman – facing a 2017 conviction for violating federal truth in lending and racketeering laws in connection with his online lending business – attempted to apologize for the $3.5 Opponents of tribal lending applaud this, noting that Tucker’s story is common and symptomatic of the trouble with the industry as a whole.

Lending 118

Lending Miami Regulation Kansas 118

Abrigo

AUGUST 28, 2022

Leveraging the efficiencies gained from lending software Banks and credit unions that leverage an integrated lending and credit platform reap the benefits of a consistent, efficient and defensible lending program. Lending and Credit Software. Ag Lending. Lending & Credit Risk. Lending & Credit Risk.

Software 195

Software Lending Philadelphia Capital 195

BankUnderground

JUNE 9, 2021

‘Zombie lending’ occurs when a lender supports an otherwise insolvent borrower through forbearance measures such as repayment holidays and temporary interest-only loans. In a recent paper , I examine whether these lending practices contributed to the subsequent low output experienced by the euro area. Belinda Tracey.

Lending 112

Lending Capital Policies Exercises 112

Perficient

FEBRUARY 17, 2023

In the first two blogs in this series, Getting Started On Embedded Finance and Embedded Finance: Bolstering Brand Experiences, we defined embedded finance and looked at the goals and strategies that firms should take at the outset of their modern embedded finance journey, as well as how and why firms should consider getting embedded banking.

San Francisco 275

San Francisco Cards Online Payments 275

Abrigo

OCTOBER 21, 2020

This post by Hayley Collier , Trepp's Marketing Communication Specialist, was originally published on Trepp's blog and can be found here. He does not expect this trend to stop but we are seeing some interesting innovations from student housing and lodging operators around college campuses. . CRE Lending. CRE Lending.

Marketing 312

Marketing Lending Risk Management Retail 312

Abrigo

OCTOBER 10, 2023

In the past, technology has pushed older products into obsolescence, but today, delivery systems can also change the operations of many industries. Obsolescence: What does the future of the product look like? Books are easier to buy online than in a store, for example, which may impact your decision to bank a new bookstore.

Analysis 195

Analysis Industry Risk Management Lending 195

BankUnderground

JULY 20, 2022

In a recent paper we explore the effect on bank lending by combining data on exposure to negative rates with banks’ balance sheets, the Spanish credit register and firms’ balance sheets. This effect was especially strong for undercapitalised banks and lending to risky firms. Why might negative rates work differently?

Policies 90

Policies Lending Capital Study 90

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. Our top ten blogs were created by Abrigo's team, which includes former bankers, regulators, and industry experts. Would you like other articles like this in your inbox? For rookies and experts.

Resources 195

Resources Risk Management Study Strategy 195

Abrigo

MAY 19, 2017

With the National Credit Union Administration issuing its final member business lending (MBL) ruling as of January 2017, credit unions are seeing increased flexibility in their lending limits. Internal foundation for growth The new MBL rule creates a foundation for commercial lending practices and portfolio growth.

Lending 150

Lending Analysis Knowledge Base System 150

Abrigo

NOVEMBER 12, 2016

In their Spring 2016 Semiannual Risk Perspective , regulators have publicly acknowledged increasing risk in commercial real estate lending, so small business lending seems like it may be an alternative path. Many community banks and credit unions are turning to small business loans as a source of loan growth.

Lending 186

Lending Community Bank Community Analysis 186

Abrigo

AUGUST 20, 2015

In addition, the ratio of operating loans to farm income has risen, despite other non-real estate loan volumes, relative to farm income, leveling out. By stress testing , banks have the opportunity to adjust lending standards, capital levels or concentration percentages, among others, based on the results.

Lending 150

Lending Kansas City Kansas Analysis 150

Abrigo

DECEMBER 7, 2021

Banks and credit unions with $500 million to $3 billion in assets roughly split evenly between those that outsource and those that operate in-house. Regardless of how financial institutions choose to organize loan review, the function must be independent of the lending function of the institution. Lending & Credit Risk.

Risk Management 195

Risk Management Lending Survey Report 195

Abrigo

JANUARY 11, 2021

In a later news release, the SBA described the timeframe for other lenders to begin accessing the system as “a few days later,” adding it will provide updates on system operations throughout the week. learn about the sBA Lending Solution. Lending & Credit Risk. SBA Lending. Lending & Credit Risk.

Lending 195

Lending Community Community Bank San Francisco 195

Abrigo

OCTOBER 15, 2020

Fraudulent (or lack of) supporting documents Supporting documents are a critical part of both the application phase and forgiveness phase of PPP lending. Lending & Credit Risk. SBA Lending. Lending & Credit Risk. SBA Lending. CRE Lending. Lending & Credit Risk. Lending & Credit Risk.

Fraud 150

Fraud Lending Los Angeles Taxes 150

Abrigo

DECEMBER 1, 2020

Takeaway 1 For solid ag lending returns, focus on assessing credit risk in current portfolios and effective pricing. . Takeaway 2 Sentiment rose in 3Q, but the highly uncertain outlook warrants caution in ag lending activities. A tricky year for farmers, ag lending. You might also like this webinar watch. Pandemic Impact.

Lending 195

Lending Survey Operations Payments 195

Abrigo

MAY 2, 2022

In a recent webinar, Paula King, Senior Advisor for Abrigo Advisory Services, recommended that lending institutions make time to review loan policies quarterly and every time they make a change, such as an increase in asset size, a new branch, or an acquisition. Lending & Credit Risk. Lending & Credit Risk. Learn More.

Policies 195

Policies Lending Regulation Examples 195

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . 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? Want other articles like this on SBA loan origination in your inbox?

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

FEBRUARY 10, 2021

You might also like this webinar, How the 2021 Roadmap for Producers will Influence Ag Lending. By construction, significant sums of rent (per acre, megawatt, royalty, or per wind tower) will begin to develop and continue through operations and energy generation. Stay up-to-date on the latest on ag lending trends. Watch Webinar.

Lending 195

Lending West Virginia Resources Operations 195

Abrigo

SEPTEMBER 9, 2019

The same is true of financial institutions when they consider technology investments to transform their lending and credit operations. Many banks and credit unions are operating with legacy systems – whether legacy IT or legacy processes. It involves mapping out the current lending or credit process from start to finish.

Technology 150

Technology Lending Software Customer Experience 150

Abrigo

FEBRUARY 2, 2021

You might also like this webinar, How the 2021 Roadmap for Producers will Influence Ag Lending. Stay up-to-date on the latest on ag lending trends. Many operations are finding themselves cash poor and unable to retire unless they sell. Ag Lending. Lending & Credit Risk. Ag Lending. CRE Lending.

Lending 150

Lending Resources Course Trends 150

Abrigo

JUNE 4, 2020

Another, more vague exemption involves the borrower documenting an inability to return to the same level of business activity that the business was operating at before Feb. Lending & Credit Risk. SBA Lending. CRE Lending. Lending & Credit Risk. CRE Lending. Lending & Credit Risk.

Lending 195

Lending Risk Management Management Community 195

Abrigo

OCTOBER 5, 2017

Ancin Cooley, CIA, CISA, of Synergy Bank and Credit Union Consulting , recently presented at the 2017 Sageworks Risk Management Summit on the Perspectives of Lending Dysfunction: Loan Officers, Credit Analysts and Loan Reviewers. But even stoic analysts can recognize the growth opportunities for the institution when a new deal is strong.

Lending 150

Lending Policies Risk Management Examples 150

Abrigo

AUGUST 27, 2021

Ideally, your loan review should operate like a radar, going out and touching the portfolio, constantly scanning, and looking for weaknesses.” For example, an institution might be trying out homeowner association (HOA) lending or car dealership financing. Learn more about loan review with this blog. Consumer Lending.

Video 195

Video Lending Regulation Report 195

CFPB Monitor

SEPTEMBER 6, 2022

I am pleased to share with our blog readers that Kristen Larson, an attorney with almost two decades of in-house experience advising midsized and large national banks on financial services matters, has joined Ballard Spahr’s Consumer Financial Services Group. She will be a regular contributor to our blog.

Groups 78

Groups Minneapolis National Lending 78

CFPB Monitor

JULY 8, 2019

The CFPB’s annual fair lending report covering its 2018 activities was published in today’s Federal Register. In addition to discussing the symposium and Data Point report in the section on “Access to Credit,” the new fair lending report discusses conducting supervisory reviews of alternative credit scoring models.

Lending 60

Lending Report Policies Compliance 60

Abrigo

DECEMBER 5, 2023

Although not mandatory, operations experience enables a BSA Officer to understand critical aspects of an AML program, thus preparing them with the tools necessary to safeguard the soundness of the compliance program. Working closely with other departments, such as retail and lending, is critical to ensuring enterprise-wide compliance.

Training 221

Training Compliance Regulation Software 221

Abrigo

AUGUST 26, 2019

The session is among several panel discussions and speaker sessions that are part of the Lending + Credit Risk track at the conference, hosted by Abrigo Sept. Stay Up-to-Date On Lending Best Practices. Some financial institutions, such as Vision Bank, have taken steps to speed lending decisions by automating steps of the process.

Conference 150

Conference Lending Oklahoma Alabama 150

Chris Skinner

JUNE 22, 2017

After my blog yesterday, about banks having to move from being control freaks in a proprietary operation building everything to becoming collaborative partners in an open marketplace curating everything, I was asked: “how do you make money out of curation?” appeared first on Chris Skinner's blog. billion in total.

Lending 228

Lending Examples Marketing Retail 228

Abrigo

OCTOBER 28, 2022

Market and external conditions are changing the credit risk environment rapidly,” the 2023 OCC Bank Supervision Operating Plan said. Noting that 98% of banks engage in CRE lending, the FDIC has said CRE loans are the largest loan portfolio type for nearly half of all banks, and CRE loan volume (in dollars) is at a historic high.

Management 195

Management Risk Management Policies Lending 195

Abrigo

DECEMBER 17, 2019

There are many operators of mule networks offering their services on the Dark Web. Not surprisingly, these operators have prepared for Black Friday and Cyber Monday, mainly by increasing mule capacity to satisfy the high demand during the holiday shopping. Lending & Credit Risk. Fraud Prevention. Fraud Trends. Learn More.

Fraud 307

Fraud Tools social media Cards 307

Abrigo

OCTOBER 14, 2022

They are having to outsource a lot and increase their operating expenses without any offsetting revenue and while dealing with supply chain issues.” Lending & Credit Risk. Lending & Credit Risk. Construction Lending. CRE Lending. Lending & Credit Risk. Watch Webinar. Learn More. Asset/Liability.

Risk Management 195

Risk Management Management Policies Lending 195

Abrigo

NOVEMBER 9, 2020

Loan administration is a basic and yet far-reaching process of lending. A smooth, effective loan administration process is like the defensive line against unnecessary loan losses, given that it impacts operations from the time a loan is approved until it is off the bank or credit union’s books. Lending & Credit Risk.

System 195

System Lending Software Risk Management 195

William Mills

SEPTEMBER 12, 2017

William Mills Agency will be live blogging at FinovateFall 2017. I checked out their web site and they are promoting their IOS/Google Play mobile apps (no surprise) and I found this: This website is operated and maintained by Collective Returns, Inc. They’re s howing a lending example using their API. MalauzaiMonkeys.

Samsung 69

Samsung Mobile User Experience Google 69

Abrigo

OCTOBER 20, 2020

For Jill Hudson, VP, Operations Officer at Vision Bank Vision Bank, it was important to learn strategies regarding supporting a strong company culture during this time. CRE Lending. Lending & Credit Risk. Lending & Credit Risk. SBA Lending. Lending & Credit Risk. Lending & Credit Risk.

Management 195

Management Lending Community Strategy 195