FDIC Lending Risk Management Strategy 
South State Correspondent
APRIL 30, 2024
Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model. Second, the hedge provider must be an FDIC insured institution and structure its hedges as a qualified financial contract (QFC). Banks are in the business of keeping loans, not making loans.
South State Correspondent
APRIL 30, 2024
Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model. Second, the hedge provider must be an FDIC insured institution and structure its hedges as a qualified financial contract (QFC). Banks are in the business of keeping loans, not making loans.
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Abrigo
JULY 1, 2015
A segmentation strategy, though, is a great place to start to nail down an effective and efficient process – not only will it serve a substantial purpose for the ALLL, but also as a larger risk management tool. To best understand that risk, bankers look at segments of the portfolio to monitor performance over time.
Abrigo
MAY 19, 2023
The complexity and scope of a loan review system will vary based on an institution’s size, type of operations, and management practices. Systems may include components that are independent of the lending function or may place some reliance on loan officers.
Abrigo
OCTOBER 28, 2022
Managing loan workouts and modifications Tips for preparing your bank or credit union to handle an increased volume of problem loans while ensuring prudent credit risk management. You might also like this video, "A look at credit risk in a rising-rate environment." CRE loan accommodations.
Gonzobanker
JUNE 14, 2023
Cross River Bank recently found itself in hot water with the FDIC when the agency declared that the bank engaged in unsafe or unsound banking practices in relation to its compliance with fair lending laws and regulations, specifically the Equal Credit Opportunity Act and the Truth-in-Lending Act.
South State Correspondent
AUGUST 21, 2022
We compared and contrasted the two strategies and sized the market for community banks. We also shared a table that summarized the two strategies. Lending Discipline: Hedging programs make loan pricing more transparent and force bankers to exercise sensible pricing methodologies.
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