15 Minutes With … Josh Guttau

Independent Banker

Josh Guttau believes that the long-term competitiveness of community banks will heavily depend on their having great analytical skills and technology. Josh Guttau in Iowa on making decisions with data. Josh Guttau. CEO and Chief Financial Officer. of the $290 Million-Asset.

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Is Your Financial Institution Data Driven? Survey says, ‘Probably Not’

Celent Banking

Data analytics is not a new pursuit. SAS, for example, has been offering solutions since its inception in 1976. But owing to the inherent complexity of advanced data analytics platforms, experience with data analytics has been the domain of only the largest organizations.

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Top mistakes accountants are making with existing clients


Singer-songwriter Joni Mitchell was referring to environmental impacts when she sang, “Don’t it always seem to go/That you don’t know what you’ve got/Till it’s gone” in "Big Yellow Taxi."

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How Citizens Bank of Edmond Amplifies Their Brand And Creates A Strong Culture

Banker to Banker

If you ever doubted the power of a CEO, consider Jill Castilla, CEO of Citizens Bank of Edmond. Taking over at the start oft his year, she has been quick to change the culture.

ICBA “Going Postal”

Finer Points

I’m all for outside-the-box thinking. Fresh ideas and brainstorming are as important in community banking as they are in any other business. But sometimes an idea comes along that is so bad—so half-baked and ill-considered—that it should be politely heard…and then squashed outright before it has a chance to gain any traction. In case you […]. Advocacy Community Banks Washington

Four Takeaways from the First Ever Financial Brand Forum


April 2nd marked the first ever conference from The Financial Brand. It was an intense and energy filled two days in Las Vegas, and I’m now able to decompress and process what I learned and the insights I will take forward.

Mistakes Bankers Make: #1 Not Having a Good Prospect List

MZ Bierly Consulting, Inc.

Why do bankers struggle with prospecting? One of the reasons is that they don’t know which prospects to go after. Today I was with a group of 10 bankers from 6 different banks and none of them felt they had a good list. We talked about why—and what to do about it: Not enough names on the list —Use multiple sources to build the list, including data bases like Hoover’s Lead Builder, local business journals and trade associations.

More Trending

Your Auto Loan Product Experts are Just a Click Away

SWBC's LenderHub

Have you ever had a moment like this? Customer Service Lending

Predicting the Future? Digital Banking in 2015

Banking 2020

As 2014 comes to an end, we’ve been reviewing the trends, articles and news that kept us talking this past year and started thinking about what will come in 2015.

Top 50 Social Business Twitter Accounts You Must Follow NOW [updated]

Visible Banking

Top 50 influential twitter accounts covering Social Business that you must follow now and you’d love to count as twitter followers including Vanessa DiMauro, Glen Gilmore and Andrew Grill. updated on 04/09/14).

ICBA Community Bankers of the Year

Independent Banker

ICBA inaugurated its Community Banker of the Year award program this year to recognize the exceptional work of the individual employees of ICBA member community banks.

What does “Digital” mean in banking?

Celent Banking

Everyone in banking is talking about “Digital.” Celent has hosted fascinating roundtables on the topic, and it’s the basis of one of our three themes. And yet, there’s a startling lack of consensus on what Digital means.

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Thought starter: Top challenges accountants face and actionable ideas to solve them


Comedian and television writer/producer Larry David has said, “I''m not a person who embraces challenges. I run from challenges. I break world records running from challenges.” ” Humor aside, accountants don’t have the luxury of thinking that way.

This Credit Union and Banker Amazed Us

Banker to Banker

If you are looking for examples of how banks have to change, stop by Grow Financial Federal Credit Union the next time you are in Tampa and see Natalia Spratlen. Grow Financial FCU presents a nice, open small footprint branch space and creates an environment of high productivity.

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Millennials Are the Future for Community Banks

Finer Points

Forget what you think you know about Generation Y. The nation’s millennials—the biggest and most diverse generation of customers in our nation’s history—account for more than $1 trillion in annual purchasing power. And according to ICBA’s recently released 2014 American Millennials and Banking Study, this generation represents a major opportunity for community banks. This is […]. Community Banks

Don’t Wait for a Seat at the Table. Make a New Table!


In May of 2009, the sales manager at my employer sat me down and said, “I’m thinking about letting you go, Mark.”. My first thought looked something like this: Then, after I visualized leaping across the desk and slapping him, I asked, “Why is that?”.

What’s the best advice you ever received on sales? (Part 1)

MZ Bierly Consulting, Inc.

Here is some practical advice on sales from veteran bankers (and a few former bankers—yes, Virginia, there is life after banking) as a special holiday gift. Here’s to a great year for all in 2015! Be persistent. Position yourself to be #2 at a minimum. You will eventually be needed.

Why (Most) Banks Need Not Worry About Apple Pay (Yet)

Fintech Labs Insights

I''ll admit to being caught up in the hype. The 48 hours after Tim Cook revealed Apple''s long-rumored foray into payments were some of the most exciting times in fintech since the 1995 to 1997 period when most of the online "firsts" happened ( see note 1 ).

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Now You're Speaking My Language!

SWBC's LenderHub

When coaching our financial institution clients on how to sell SWBC’s products (like GAP, MMP, credit life insurance, etc.), our training team encourages participants to provide ongoing feedback.

Do We Need Better System Integration or Fewer Systems to Integrate?


“We are stuck with technology when what we really want is just stuff that works.”. ?Douglas Douglas Adams, the Salmon of Doubt.

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VisibleBanking.com’s Christophe Langlois Joins IBM Social Business

Visible Banking

Christophe Langlois is joining IBM as ‘Social Media Senior Managing Consultant’ (Financial Services, Europe). He’ll work for Andrew Grill, Global Social Business Partner and former Kred CEO.

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Excited To Help People

Independent Banker

“I believe that you need to get in the trenches with your people and give them a helping hand. One person cannot do it all—there’s just way, way, way too much to do.” —Jim Jim Gowen, Merchants & Planters Bank. In Arkansas, Jim S. Gowen Sr.

Actual vs. Perceived Value (Behavioral Economics)

Celent Banking

Our humanity, as individuals and as consumers, continues to fascinate me, particularly as it relates to our irrationality. My dad would drive miles out of his way to save 2 cents per gallon of gas, just for the principle of it (whatever that principle was!).

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How to manage the risk of commercial real estate lending


As banks are increasingly playing a bigger role in commercial real estate lending, it is more important than ever to ensure proper risk management practices. This is especially true for banks exceeding one or both of the commercial real estate (CRE) supervisory criteria. According to Forbes , U.S.

Once Upon A Time: How An Examiner’s Enlightened Words Turned This Bank Around

Banker to Banker

Once upon a time there was a bank that was close to failure. It used to be a great bank with branches filled with vibrant customers and earnings as thick as Kansas soil. However, over time customers moved on and the staff started to feel that they had little to offer compared to the largest of banks.

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Regulatory Capture Old News for Community Banks

Finer Points

A new report exposing the New York Fed’s coddling of Wall Street megabanks—particularly Goldman Sachs—is making waves in Washington. And why shouldn’t it? The ProPublica report exposes the New York Fed’s culture of deference to the megabanks it is charged with regulating as well as its marginalization of the few examiners who have spoken out. […]. Regulatory Exams Too Big to Fail

Selling Yourself and Your Bank on LinkedIn


I had the pleasure of teaching Social Media Best Practices for Financial Institutions at the 2014 ABA Stonier Graduate School. I was a three and a half hour course over two days.

Is Cross-Selling the Secret Sauce for Business Bankers?

MZ Bierly Consulting, Inc.

In a recent webinar on cross-selling, Charles Wendel and Buck Bierly discussed the challenges business bankers face in expanding relationships with business customers. The bottom line: Cross-selling may not be the secret sauce, but it is a key ingredient to increase per account revenue growth.

Your Eyes are the Window to… Your Bank? Q&A with EyeVerify

Banking 2020

After first hearing about EyeVerify at Finovate Spring earlier this year, where the company won best of show, we were intrigued.

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The Top 6 Customer Services Mistakes You Make Time and Time Again

SWBC's LenderHub

We''ve all been a customer at some point, and, unfortunately, we''ve probably all been subjected to horrible customer service. We also all know that word-of-mouth is a powerful tool. You''ve probably heard about a new product or restaurant and immediately asked around to see what others thought.

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Neo-Banking is Just Getting Started

Fintech Labs Insights

Definition : Neo-Bank Delivering banking services without touching the funds - This morning, Celent''s Stephen Greer published a post called, The Challenges of the New Neo-Bank , where he says: In recent months, the neo-bank model (e.g.

35 Quotes from 16 Top Social Customer Care Influencers [updated]

Visible Banking

IBM’s Guy Stephens published a collection of views from some of the top social customer care leaders. I listed their 35 most striking quotes on social customer service. updated on 06/09/14).

Main Street Focus

Independent Banker

Tess Ousley expanded her Chicago child development center, All About Kids Learning Academy Inc., with financing from Urban Partnership Bank. A Special Mission. Urban Partnership Bank builds up people and communities. By Ed Avis.

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Celent Banking

I’ve just returned from my last conference of the year, the excellent and intimate NetFinance Interactive held in rainy (sic) San Diego.

Spotlight on lending: Preparing for Q3 bank reports


With the fourth quarter of 2014 well underway, both banks and credit unions are in the midst of reporting their results from the previous three months.

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The Perfect Bank Customer Appreciation Event

Banker to Banker

This week, we spoke on the future of business at one of the best bank customer events we have attended. CTBC Bank ($2.3B, CA) put on a stellar show and today we break down the events elements that will give you some ideas for your next customer “thank you” lunch.

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Too-Big-To-Jail Talk is Cheap

Finer Points

Here in Washington, I hear a lot of talk. People will say just about anything and claim it’s the truth, no matter what the record shows. Well, I’m from the Show-Me State, where actions speak louder than words. Attorney General Eric Holder recently said that there is no such thing as too-big-to-jail. In a […]. Too Big to Fail Washington