Abrigo

NOVEMBER 8, 2019

Stress Testing | 7 minute read Key Takeaways Stress testing is an important component of sound risk management. Effective stress testing can benefit many different facets of lending, from risk management and strategic decision-making to capital adequacy and liquidity management.

Lending 150

Lending Risk Management Analysis Capital 150

Abrigo

MAY 8, 2024

Yet 30% of financial services leaders ban the use of generative AI tools within their companies, according to a recent survey by American Banker publisher Arizent. Stay up to date with free resources on managing risk and driving growth. Even if a financial institution isn’t yet using the technology, it can learn from peers.

Examples 195

Examples Fraud Resources Risk Management 195

PYMNTS

MARCH 12, 2020

But the latest initiatives reveal a growing interest in transforming internal processes, particularly among smaller banks looking to upgrade their core infrastructure and elevate small business lending operations. Equiniti Eyes APIs for Risk Management. Hawthorn River Eyes Open Banking for Community FIs.

Lending 194

Lending Risk Management Fintech Community 194

Abrigo

DECEMBER 22, 2023

The most-read portfolio risk blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool."

Risk Management 221

Risk Management Regulation Management Lending 221

Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists? What changes will 2022 bring?

Community Bank 144

Community Bank Community Lending Louisiana 144

Abrigo

SEPTEMBER 28, 2022

Construction loan administration is now a vital part of the construction lending process. Whether an institution's construction lending portfolio is big or small, managing the risk of your portfolio is critical to success. In addition, a digital tool benefits financial institutions by offering a seamless, updated process.

Lending 195

Lending Software Customer Experience Management 195

Abrigo

SEPTEMBER 29, 2022

Construction loan administration is now a vital part of the construction lending process. Whether an institution's construction lending portfolio is big or small, managing the risk of your portfolio is critical to success. In addition, a digital tool benefits financial institutions by offering a seamless, updated process.

Software 195

Software Management Lending Tools 195

Abrigo

APRIL 7, 2023

If the system is not efficient and manual data entry contributes to increased risk, a greater headcount is not the solution. The benefits of a user community Businesses always pursue growth and improvement. The good news is we have helped many clients develop a strong and ultimately successful business case for loan review software.

Software 195

Software Lending System Risk Management 195

PYMNTS

NOVEMBER 17, 2017

Think of banking and you might think of lending and deposits, where firms make money on the spread between what they pay savers and what they take in from borrowers. The community banking model is based on customer relationships and the allocation of capital and extending loans. But banks cannot live on interest alone.

Community Bank 115

Community Bank Community Cards Lending 115

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report 195

Report Risk Management Capital Data 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. FTP can be extended to provide other analytical tools, as shown in the graph below.

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. FTP can be extended to provide other analytical tools, as shown in the graph below.

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. FTP can be extended to provide other analytical tools, as shown in the graph below.

Lending 195

Lending Capital Management Tools 195

Abrigo

AUGUST 28, 2022

For banks and credit unions, a popular tool to monitor credit risk is a standardized risk rating system, which can serve several purposes. They can also form the basis for broader risk management practices – for instance, setting the reserve, stress testing the loan portfolio , setting risk appetites and strategic planning.

System 195

System How To Lending Risk Management 195

South State Correspondent

APRIL 10, 2023

This development should strongly motivate community banks to consider the benefits of loan-level hedging. The proportion of fixed-rate loans has increased for community banks over the past four years. We believe that prudent risk management is not predicated on trying to predict interest rates relative to the forward curve.

Community Bank 195

Community Bank Community Security Capital 195

Abrigo

OCTOBER 20, 2020

From economic forecasts to company culture, there were important takeaways for all community financial institutions. . Millennium Bank, like many community financial institutions, is heavily concentrated in commercial real estate (CRE). Drive Growth. Understanding the current state of banking and future expectations.

Management 195

Management Lending Community Strategy 195

PYMNTS

APRIL 16, 2020

This week’s look at the latest in bank-FinTech collaborations and open banking initiatives finds a focus on small business lending: In the U.K., Deloitte, Unqork, Plaid Debut Lending-as-a-Service Tool. ” Plaid Unlocks Payroll Data to Support PPP Lending. .”

Data 167

Data Lending Regional Fintech 167

Abrigo

MARCH 17, 2022

However, community financial institutions can incorporate the new scenarios for their own stress tests to help determine how their capital levels will fare in severe economic situations. Prudent stress testing as a risk management tool helps the enterprise see where the potential pitfalls are in their plans.

Capital 195

Capital Regulation Risk Management Community 195

Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. This strategic tool evaluates changes in deposit accounts, broken down by the institution’s sectors or sub-sectors. Lending & Credit Risk.

Conference 195

Conference San Antonio Lending Fraud 195

Abrigo

JUNE 28, 2023

You might also be interested in this AML/CFT risk assessment checklist. Takeaway 2 Tools ideal for board reporting allow you to put the desired metrics into one dashboard that quickly and easily allows access to important information. They wear many hats, especially in smaller community banks and credit unions.

Compliance 195

Compliance Fraud Report Trends 195

Gonzobanker

FEBRUARY 23, 2022

Early adopters are earning prestige while investors and a hoard of community banks explore the opportunity to tap into this new source of revenue. While customer relationships are being redefined by fintechs, there will always be a place for community banking. Early leaders like Coastal Community Bank in Everett, Wash.,

Community Bank 133

Community Bank Strategy Risk Management Fintech 133

Abrigo

NOVEMBER 11, 2019

An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance. Community financial institutions are familiar with utilizing their asset/liability management solutions to limit the risk of rising interest rates.

Management 150

Management FDIC Community Risk Management 150

NCR

MARCH 1, 2016

As a result of the recession and market volatility, there has been a concerted effort in recent years throughout the banking industry to focus on a holistic approach to an institution’s overall risk management in order to achieve and sustain stability. Does your financial institution use Enterprise Risk Management to achieve stability?

Risk Management 40

Risk Management Management Operations Meeting 40

Gonzobanker

SEPTEMBER 21, 2023

NYMBUS secured Series D financing (led by Insight Partners), partnered with Hurdlr for small business banking; with Atty Bank, Saint Louis Bank ’s legal community bank; and with Roger, Citizens Bank of Edmond ’s military niche bank. Numerated , a business lending origination platform, partnered with Finastra for a LaserPro integration.

Fintech 103

Fintech Software Illinois Lending 103

PYMNTS

JUNE 26, 2018

“CPAs [(certified public accountants)] play a key role in the small business community as trusted business advisors,” said AICPA Vice President of Small Firm Interests Carl Peterson in a statement.

Groups 101

Groups National Compliance Lending 101

CFPB Monitor

OCTOBER 11, 2018

At the Online Lending Policy Institute’s (OLPI) annual summit in Washington, D.C. The summit speakers included Grovetta Gardineer, the Senior Deputy Comptroller for Compliance and Community Affairs at the OCC. Questions directed at Ms. A third summit speaker was Maria Vullo, DFS Superintendent.

Policies 60

Policies Lending Data Online 60

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. We are in awe. Seriously in awe.

Fintech 195

Fintech Community Regional Technology 195

Independent Banker

MAY 24, 2016

This leaves federal crop insurance support as a key risk-management tool. However, the farm community already is being forced to defend even this scaled-back safety net. It’s a crucial risk-management tool” for 1.7 It’s a crucial risk-management tool” for 1.7 Ongoing concerns.

Community Bank 70

Community Bank Kansas City Community Iowa 70

Abrigo

OCTOBER 9, 2019

Stress Testing | 6 minute read Key Takeaways Stress testing is a useful tool to help guide CECL decisions. Regulatory communities and auditors want to see that CECL and stress testing remain as consistent as possible across the organization. Portfolio Risk & CECL. Credit Risk. Portfolio Risk & CECL.

Data 150

Data Exercises Software Tools 150

Gonzobanker

DECEMBER 17, 2021

million gets the vaunted consumer lender a much-prized bank charter, low-cost deposits to juice current earnings, and a business lending capability to drive future growth. Goes to Eric Sprink, Coastal Community Bank , Everett, Wash. Like how does that play into our communities? Has it worked? 82% to over 2.3% Inspirational?

Fintech 147

Fintech Strategy Leadership Lending 147

Independent Banker

NOVEMBER 25, 2015

Regardless of the name, nonbank technology firms are wedging themselves between community banks and their customers by offering a slew of traditional and nontraditional banking products. This is why ICBA and community banks must continue to push consistent regulation of bank and nonbank financial service providers. Siphoning customers.

Community Bank 70

Community Bank Community Analytics Lending 70

Insights on Business

NOVEMBER 19, 2018

Both fintech firms and traditional enterprises are on the brink of significant disruption as companies leverage the rapid insights generated by AI in banking to drive demonstrable outcomes in customer experience, risk management and cost efficiency. First are API-based models that integrate partner, client and peer communities.

Compliance 177

Compliance Regional blockchain Technology 177

American Banker

AUGUST 8, 2016

Under pressure from regulators to beef up risk management in commercial real estate lending, banks are using new software tools to improve analysis.

Big Data 28

Big Data Risk Management Data Analysis 28

Gonzobanker

MARCH 6, 2020

Peer comparison metrics can be a valuable tool for evaluating staffing levels relative to production and portfolio volumes. Solution: Automated core reporting tools, with logic tests to identify incorrect coding or out of range/missing values, can greatly minimize the manual inspection necessary to identify loan boarding errors.

Operations 93

Operations System Groups Technology 93

Gonzobanker

OCTOBER 30, 2014

The three biggest communities on LinkedIn center on job searches and recruitment. It is an impressive evolution of a cloud-based tool. Because of tools like LinkedIn, candidate recruitment is increasingly happening in advance of job openings. Not so with HR. Everybody at our meeting said they use it almost daily.

Resources 96

Resources Training Tools Analytics 96

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. To you, manage your interest rate risk. Before becoming desperate and trading interest rate risk for credit risk. This crisis hatched the more sophisticated ALCO tools we have today. Most of the more than 500 financial institutions that failed were community banks.

FDIC 78

FDIC Community Bank Regulation Lending 78

Abrigo

JANUARY 11, 2022

ALM is a delicate balancing act between maximizing profitability while minimizing risk, between managing the needs of customers or members, regulators, and shareholders all at the same time. One of the goals of ALM is to manage risk, not actively avoid risk. Lending & Credit Risk. Asset/Liability.

Management 195

Management Meeting Capital Strategy 195