Community Guidelines Marketing Risk Management 
South State Correspondent
FEBRUARY 27, 2024
Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. Market Intelligence We analyzed the last 1000 loans priced on our hedging desk, and the credit spread, and size are plotted below.
Perficient
FEBRUARY 4, 2021
Many communities of people with disabilities are very close-knit and if your site is recognized as accessible, this ends up being a competitive advantage. It creates a more efficient and less expensive lifecycle process as defects are identified and solved before going to market. Accessibility Belongs in the Design Phase.
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South State Correspondent
JANUARY 30, 2023
Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. We estimate that 25% to 50% of community banks have a policy requiring minimum yield or credit spreads for new commercial loans. The drop in liquidity ratios is expected to accelerate through 2023.
Abrigo
MAY 22, 2015
The Office of the Comptroller of the Currency (OCC) recently featured the multifamily rental housing market in a newsletter examining challenges in the market and how financial institutions are engaged in financing multifamily rental housing. Stiel in a section describing underwriting challenges.
Abrigo
NOVEMBER 18, 2016
In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. Learn more about the Sageworks Credit Risk Management Solution.
Abrigo
SEPTEMBER 5, 2023
If actual practices vary materially from the written guidelines and procedures, the source of this discrepancy should be identified, and either actual practices or the written policy should be changed. Management may conclude that specific sections of the written policy are no longer relevant. Talk to a specialist to learn more.
Abrigo
APRIL 15, 2022
As is the case with effectively managing interest rate risk , managers need to understand their cash flows in and out of the institution to effectively manage liquidity and meet all regulatory requirements. Liquidity risk managers need to ensure that all assumptions are reasonable and appropriate.
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