Abrigo

AUGUST 8, 2021

The Federal Reserve, the OCC, the NCUA, and the FDIC repeatedly pointed out that the nature of loan review or credit risk review at a given bank or credit union will vary. Larger or more complex institutions might have credit risk review functions entirely separate from their lending functions. Reviewing lending staff’s risk ratings.

System 195

System Lending Policies Regulation 195

Abrigo

JULY 1, 2015

For nearly any size institution with lending capabilities, a comprehensive loan portfolio segmentation strategy can enable their credit department to quickly identify the underlying behaviors that drive credit risk. Borrowers in a segment generally exhibit similar financial characteristics such as capital sources and/or repayment sources.

Risk Management 150

Risk Management Management Strategy Lending 150

Abrigo

AUGUST 3, 2015

The piece also notes that customer service has suffered as a result of higher compliance costs, and community banks face stricter lending standards and capital reserve requirements. But when the approach historically taken by community banks is limited, their competitive advantage also declines.

Compliance 150

Compliance Community Bank Community Survey 150

Abrigo

NOVEMBER 9, 2022

You might also like this: "Beyond CECL: Stress testing, ALM, and financial planning" DOWNLOAD. Banks and credit unions will undoubtedly need to update CECL models and operational aspects of allowance calculations as the lending, risk, and regulatory environments change. Lending & Credit Risk. keep me informed. Learn More.

Survey 195

Survey Software Resources Meeting 195

Abrigo

MARCH 13, 2023

DOWNLOAD Takeaway 1 Silicon Valley Bank's failure is a stark reminder for other financial institutions that when a crisis occurs, it can spread rapidly. Banks in rural America are not going to have the same kind of lending activities, or depositor relationships as this bank seemingly had. Boy, did that impact capital ratios.

Strategy 195

Strategy Lending Security Analysis 195

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

DECEMBER 22, 2023

To learn more about the PD/LGD approach and the pros and cons of using it under the Current Expected Credit Loss Model (CECL), download this infographic, CECL Methodologies: Pros and Cons for Your Portfolio , or read about how one financial institution incorporated PD/LGD into its allowance calculation.

Risk Management 221

Risk Management Regulation Management Lending 221