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Rebeca Romero Rainey: Prepare your cyber defenses

Independent Banker

In fact, our 2022 CEO Outlook Survey ranked data security as a top concern, and as the digital sphere continues to evolve, all signs point to that level of concentration increasing. For example, by participating in tabletop exercises, bankers can get a first-hand account of where their preparedness plans shine and where they fall short.

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Commercial Credit Trends – Where to Tread Carefully

South State Correspondent

In 2021, we published articles warning bankers against higher rates (for example, HERE ) and the resulting impact on credit. We have seen the higher rates, and now bankers should brace for a credit shock. Lending is getting riskier. Once again, it is time to play more defense. When you write a blog, your work is there for all to see.

Trends 195
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Use This Framework for Better Bank Innovation

South State Correspondent

Many banks don’t think in terms of innovation and are not set up for innovation. Every bank, no matter the size, should think and train bankers on where, and how to look for improvements. Innovation is a muscle that needs to be exercised often, less it atrophies. The Problem of Bank Innovation. Framing Innovation.

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Community Banking According to Andy

Jeff For Banks

In June 2021, we were up to six locations, $327.6 In 2021, we are up to over $70 million, mostly investment properties. He exemplifies the best of next generation bank leadership, with eyes wide open to the next iteration of banking in our rapidly changing environment. It was so awesome I asked if I can reprint here. million in loans.

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Sowing the Grassroots

Independent Banker

Advocacy Advocate—ICBA’s Joshua Harbursky works to assist community bankers with their industry policy engagement with lawmakers and regulators. ICBA has a great infrastructure in place and a lot of active advocates among community bankers. ICBA’s advocacy director talks about fostering a culture of advocacy. Habursky: Very nicely.

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GonzoLender’s Top 5 Tips for Selecting a Loan Origination System

Gonzobanker

Let’s just get this out of the way right up front: most bankers rank going through a formal system selection process right up there with a trip to the dentist. So, having dispensed with the pleasantries we’ll move right along and in the spirit of Kramer, just say “Giddy Up!”. Online Applications and Borrower Portal.

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The Current Banking Crisis – 10 Not So Apparent Lessons

South State Correspondent

This article highlights ten not-so-evident lessons of the banking crisis that every banker must consider going forward. While interest rate risk caused the most significant impact on value, several other factors contributed to the terminality of each bank that was closed. SVB’s 43% LTD used to be talked about with reverence.