Abrigo

AUGUST 5, 2020

Credit memos are one of the most important documents in the life of the loan, as loan committees use these documents to determine whether or not to approve a loan. Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Portfolio Risk & CECL.

Management 195

Management Risk Management Trends Industry 195

Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. Regulators and industry consultants agree that community banks are generally doing a great job handling their regulatory oversight and requirements.

Compliance 101

Compliance Regulation Community Bank Community 101

Gonzobanker

NOVEMBER 2, 2023

Pillar #2: Leaders Transcend Daily Hustle to Build New Systems Most regional and community banks grew up executing the fundamentals with sheer hustle and hard work. Smarter Bank leaders have an eye for designing and building new systems that align people, processes and technology and that leverage data and intellectual capital.

Leadership 158

Leadership Industry Management Resources 158

Abrigo

FEBRUARY 27, 2020

They are routinely experiencing processes that add costs, delay turnaround times, and can lead to inconsistency in pricing and risk management. The list goes on, and we haven’t even gotten into creating closing documents or credit presentations.

Lending 243

Lending Survey Data System 243

Abrigo

SEPTEMBER 2, 2020

Capitalizing on PPP innovations for a better experience. To reduce the need for face-to-face engagement during the initial PPP application window, some community financial institutions leveraged technology that enabled their bank or credit union to develop a “digital branch.” Lending & Credit Risk. SBA Lending.

Lending 259

Lending Community San Antonio Survey 259

Abrigo

JANUARY 29, 2016

One overall benefit of effective loan pricing is that it is one of the many ways a financial institution can optimize capital. Adams, supervising examiner at the Federal Reserve Bank of Philadelphia, pricing is a key underwriting factor that should be addressed as part of a sound loan policy. According to James L.

Capital 150

Capital Philadelphia Policies Strategy 150

Abrigo

SEPTEMBER 2, 2020

Capitalizing on PPP innovations for a better experience. To reduce the need for face-to-face engagement during the initial PPP application window, some community financial institutions leveraged technology that enabled their bank or credit union to develop a “digital branch.” Lending & Credit Risk. SBA Lending.

Lending 195

Lending Community San Antonio Survey 195

Abrigo

APRIL 15, 2022

Regulators expect that for institutions to maintain adequate levels of liquidity, banks and credit unions must be able to meet both expected and unexpected cash flow and collateral needs without adversely affecting daily operations or financial performance. Key assumptions should be reviewed, documented, and approved annually.

Management 195

Management Meeting Risk Management Operations 195

Abrigo

JULY 30, 2015

What is the impact to the bank? Will I still be in compliance with capital ratios? And given that Basel III is out and effective, will I be in compliance with fully phased-in Basel III capital ratios?”. And given that Basel III is out and effective, will I be in compliance with fully phased-in Basel III capital ratios?”.

Data 150

Data Community Bank Capital Compliance 150

Independent Banker

JANUARY 28, 2016

As in past years, community bankers will have a dynamic regulatory environment to contend with in 2016. Safety and soundness concerns will remain a prominent driver of that supervisory dynamic for community banks. What should community banks anticipate here? IB: So what should community banks anticipate here?

Community Bank 70

Community Bank Community Regulation Lending 70

Abrigo

APRIL 22, 2024

Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets. While small business loans inherently benefit business owners, they also benefit communities, according to 2021 research for the SBA. At the same time, 59% pursued credit to meet operating expenses. economic ecosystem.

Lending 243

Lending St. Louis Community Marketing 243

Independent Banker

DECEMBER 13, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

Tools 70

Tools Community Community Bank Security 70

Independent Banker

NOVEMBER 24, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

Tools 70

Tools Community Community Bank Security 70

PYMNTS

APRIL 9, 2020

What we need to be told is that we have this document, we have authorization and we’re good to go,” Speight explained. Second: Eliminate The Capital Crunch . That then limits how many PPP loans any bank can process for their SMB customers who are interested in the program. Edwards said.

Lending 285

Lending Capital Washington Risk Management 285

Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. FDIC officials in March outlined several types of weaknesses in loan underwriting, administration and oversight practices that are emerging at some banks with CRE portfolios.

FDIC 186

FDIC Risk Management Analysis Lending 186

Abrigo

JULY 28, 2021

Takeaway 3 Beginning CECL adoption earlier provides time needed for backtesting, documentation, and developing disclosures. Banks and credit unions also need to determine what data has been tested or historically reconciled to make sure that gaps and inconsistencies do not cause problems. CECL implementation and documentation, testing.

Resources 195

Resources San Antonio Data Regulation 195

Fintech Labs Insights

SEPTEMBER 1, 2015

Buzz Points partners with community banks and credit unions to reward consumers for buying local and banking local. Dealflow is building the largest channel for online capital formation. ebankIT is an Omnichannel Banking software company that delivers the latest innovative solutions in financial technology.

Company 12

Company Software Analytics Mobile 12