Abrigo

DECEMBER 31, 2019

The top lending and credit blog posts focused on improving loan pricing, creating a better experience for borrowers, and developing risk ratings. Those priorities are apparent in the most popular Abrigo lending and credit blog posts for the year. Popular articles about credit, lending. Credit Risk. Credit Risk.

Lending 150

Lending Community Bank Software System 150

Abrigo

MAY 19, 2023

But many banks and credit unions find that booking loans with a loan origination platform offers their current staff greater functionality, mitigating or eliminating those staffing woes. They should be knowledgeable of both sound lending practices and their own institution’s specific lending guidelines.

Training 195

Training Lending Risk Management Guidelines 195

Abrigo

SEPTEMBER 1, 2020

Now, many of the nearly 5,500 SBA-approved lenders that are participating in the PPP are weighing the option of leveraging that technology to continue to provide SBA lending after PPP. Leveraging tech for SBA lending after PPP. Or, they might wonder whether it’s too late to start 7(a) lending if they’ve never done it before the PPP.

Lending 195

Lending Risk Management Technology Survey 195

South State Correspondent

FEBRUARY 27, 2022

Booking long-term fixed-rate loans on-balance-sheet may not make sense for many banks. 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.

Lending 195

Lending Community Bank Community Meeting 195

Abrigo

MAY 19, 2023

The complexity and scope of a loan review system will vary based on an institution’s size, type of operations, and management practices. Systems may include components that are independent of the lending function or may place some reliance on loan officers.

System 195

System Regulation How To Lending 195

Abrigo

SEPTEMBER 1, 2020

Now, many of the nearly 5,500 SBA-approved lenders that are participating in the PPP are weighing the option of leveraging that technology to continue to provide SBA lending after PPP. Leveraging tech for SBA lending after PPP. Or, they might wonder whether it’s too late to start 7(a) lending if they’ve never done it before the PPP.

Lending 195

Lending Training Technology Survey 195

Abrigo

OCTOBER 10, 2023

Credit risk series Learn More The post 4 Ways to evaluate your loan review department’s effectiveness appeared first on Abrigo. For smaller institutions especially, software makes tracking productivity among teams, geographies, and other factors easier and more efficient. Stay up to date on loan review best practices.

Training 195

Training Survey Resources Software 195

Abrigo

OCTOBER 10, 2023

Credit risk series Learn More The post Four ways to evaluate your loan review department’s effectiveness appeared first on Abrigo. For smaller institutions especially, software makes tracking productivity among teams, geographies, and other factors easier and more efficient. Stay up to date on loan review best practices.

Training 195

Training Survey Resources Software 195

Abrigo

APRIL 21, 2023

Focus loan reviews on risk in the portfolio Continuous loan review monitoring helps banks and credit unions ensure credit review systems support safe and sound lending. You might also like this webinar, "Return to basics: Asking the right credit risk questions."

Lending 195

Lending Risk Management Software System 195

Abrigo

NOVEMBER 16, 2016

Bank regulators for many quarters have expressed concern about easing underwriting standards in commercial real estate lending, especially as examiners have noticed increased concentrations of CRE loans in financial institutions’ portfolios. 17 at 2 p.m.

Lending 150

Lending Survey Risk Management Regulation 150

Abrigo

JUNE 7, 2017

It’s been five months since the new member business lending (MBL) rule from the NCUA went into effect in January, providing greater flexibility to credit unions offering member business loans. Credit unions should determine the focus of their business lending program and identify what is needed to achieve those goals.

Lending 150

Lending Management Analysis Policies 150

Abrigo

OCTOBER 23, 2014

“As we witnessed with the not so distant crisis, banks that were lax with their credit standards while booking unprecedented new business ultimately paid the cost.” ” Banks understand the need to regularly specify and quantify portfolio risk, and remain cognizant of the impact new loan commitments have on the balance sheet.

Risk Management 186

Risk Management Management Lending Resources 186

South State Correspondent

APRIL 30, 2024

Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model. Good hedging partners will pass on taking trades that generate revenue for the vendor but create more unforeseen risk. Banks are in the business of keeping loans, not making loans.

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model. Good hedging partners will pass on taking trades that generate revenue for the vendor but create more unforeseen risk. Banks are in the business of keeping loans, not making loans.

Community Bank 195

Community Bank FDIC Community National 195

Abrigo

AUGUST 30, 2022

You might also like this webinar on commercial lending strategy. Typically, financial institutions can get a higher net interest margin opportunity when they book a loan than they can by buying an investment. The lack of alternative options in a rising-rate environment may be a factor when deciding to expand into commercial lending.

Strategy 195

Strategy Lending Risk Management Analysis 195

Abrigo

MAY 18, 2023

The guidance expects the credit risk review function to consider industry standards consistent with the institution’s size, complexity, loan types, risk profile, and risk management practices.

Lending 195

Lending Training Guidelines Policies 195

South State Correspondent

MAY 3, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending 195

Lending Capital Management Tools 195

Abrigo

OCTOBER 28, 2020

Answer this question: Are we trying to decide what to do with the money you already have on the books, or are we trying to find ways to grow the balance sheet and going to need new funds as a result? CRE Lending. Credit Risk Management. Lending & Credit Risk. CRE Lending. CRE Lending.

Lending 195

Lending Risk Management Management Community 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

South State Correspondent

JUNE 8, 2022

In 2022, national banks are especially active in managing interest rate risk by booking floating rate loans and mandating that borrowers fix their rates through a loan hedging program. National Bank Strategies For Interest Rate Risk Management.

Community Bank 195

Community Bank Community National Strategy 195

Independent Banker

JANUARY 31, 2022

A recent report by Cornerstone Advisors found that bankers are either strongly interested in or already working with fintechs in three main areas: digital account opening (71%), mobile wallets (41%) and fraud/risk management (47%). Fraud and risk management. Digital account opening. Mobile wallets.

Community Bank 159

Community Bank Community Fintech Risk Management 159

South State Correspondent

APRIL 23, 2023

The root cause of Silicon Valley Bank’s (SVB) failure is poor risk management – plain and simple. Bankers need to understand and manage their business on the fair value of assets and liabilities instead of managing their business on net interest margin and the amortized historical cost of assets and liabilities.

Management 195

Management Security Risk Management social media 195

Abrigo

AUGUST 11, 2020

10 , paving the way for borrowers to begin getting their loans taken off the books of lenders if they have met all requirements. Lending & Credit Risk. Portfolio Risk & CECL. Credit Risk Management. Lending & Credit Risk. SBA Lending. Lending & Credit Risk.

Lending 195

Lending Risk Management Training Analysis 195

Abrigo

JUNE 30, 2022

When I ask about the projected betas used in modeling, I'm often told they are assumed to be 1, meaning any new assets booked or repriced will adjust at 100% of recent market rate increases. An institution with a high mix of fixed-rate lending will report lower betas, when in fact the true loan beta can be much higher. CRE Lending.

Lending 195

Lending Marketing Analysis Data 195

Abrigo

AUGUST 11, 2020

10 , paving the way for borrowers to begin getting their loans taken off the books of lenders if they have met all requirements. Credit Risk Management. Lending & Credit Risk. Loan Modifications and Workouts: Best Practices for Managing the Process in 2020 and Beyond. Lending & Credit Risk.

Lending 195

Lending Risk Management Payments Survey 195

Abrigo

OCTOBER 11, 2016

This practice is designed to mitigate risk, but it can also limit lending opportunities. Applications that fail to meet requirements for cash flow, debt service coverage ratio or LTV are simply not good credit risks. Additionally, document collection can be one of the biggest obstacles to booking a loan.

Analysis 150

Analysis Lending Taxes Software 150

American Banker

MARCH 30, 2016

The management team at Western Alliance Bancorp. The company's pending purchase of a large loan book — and expansion into national hotel lending — will be scrutinized in coming years. has decades of experience with hotel development.

Risk Management 28

Risk Management Management Lending National 28

PYMNTS

JUNE 29, 2016

According to reports, Shawbrook Group Chief Financial Officer Tom Wood announced his resignation as the bank revealed plans to book an impairment charge of about $12 million as a result of the breach in the second quarter. In other words, the bank had been lending out what some reports described as “dodgy” loans.

Lending 100

Lending Risk Management Meeting National 100

Gonzobanker

NOVEMBER 2, 2023

At the same time, tomorrow’s leadership will have little to do with “book smarts.” Once they run buzzwords and innovations through management’s “B.S. risk management and operations, trust becomes the fuel to move quickly across organizational lines, and trust becomes the personal currency of leaders.

Leadership 158

Leadership Industry Management Resources 158

Abrigo

DECEMBER 1, 2014

As many credit unions are just beginning to develop or expand member business lending (MBL) programs, it is important develop or tighten a sound MBL strategy to ensure long-term success in managing risks. ” Invest in systems capable of managing the MBL program. billion to $43.16 Determine how to measure success.

Strategy 186

Strategy How To Resources Lending 186

South State Correspondent

JANUARY 4, 2023

Building out the ever-important treasury management suite, targeting deposit-rich customer segments, and creating new savings products are all examples of how banks can build deposit balances at low cost, low-rate sensitivity, and high deposit convexity. Lending Focus – Interest Rate Sensitivity and Credit Accuracy.

Community Bank 195

Community Bank Capital Training Lending 195

PYMNTS

MAY 11, 2018

Also landing on the board this week are alternative lending, expense management, cybersecurity and blockchain players. Alternative Lending. The company provides cyber insurance for the enterprise coupled with real-time risk management and mitigation. Check out the latest investment rounds below. CCRManager.

Analytics 109

Analytics blockchain California Lending 109

South State Correspondent

FEBRUARY 12, 2022

We think that when banks book a fixed-rate loan, the fixed-rate must be finalized at the closing table; otherwise, banks give borrowers a free option that has an economic cost – especially in the current volatile and rising interest rate environment. Lending Reality.

How To 195

How To Examples Marketing Lending 195

Abrigo

AUGUST 28, 2022

Develop better ag lending workflows before demand picks up. A better ag lending process makes applying smoother for borrowers and can allow efficient ag loan growth without adding a lot of staff. Takeaway 1 Now is the time to plant the seeds for harvesting growth in the ag loan portfolio by creating a better ag lending process.

Lending 195

Lending Analysis System Data 195

Abrigo

NOVEMBER 25, 2019

Book more loans with a faster turnaround. After reading the book, Deep Work by Cal Newport, Cooley used this approach with some institutions in his consulting work: He suggests credit analysts be given a period of time to focus on the credit in front of them without being disturbed. learn more.

Analysis 195

Analysis Training Management Industry 195