South State Correspondent

FEBRUARY 22, 2024

You can’t develop lending expertise overnight. A three-year time horizon isn’t long enough if say you want to take your lending platform nationally such as specializing in lending on robotics. Deposits generate the bulk of a bank’s value yet most banks spend little on deposit marketing and product design. is step one.

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South State Correspondent

APRIL 9, 2024

Changes in Market Expectations: Markets can move rapidly and market participants do not always clearly appreciate the impact of forward projections. For example, at the start of 2024 the market expected six interest rate cuts, while at the time of writing this article the market expects only 2.6

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South State Correspondent

JANUARY 2, 2024

How should lenders discuss interest rates in 2024, and what advice should relationship managers provide their clients about banking products? First, we believe the market to be a poor predictor of future economic states. Bankers must be able to present the current (spot) and forward interest rate lending curve to clients.

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Abrigo

JULY 25, 2022

Strong demand is a factor in the ag lending outlook ahead Ag lenders can begin taking steps to ensure they are prepared and can provide positive customer or member experiences. You might also like this webinar, "How to Position Yourself for High-Yielding Ag Loan Growth." The outlook for ag lending has its share of uncertainty.

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Abrigo

JULY 2, 2019

Assigning credit risk is tricky with ag lending since both environment and economic factors carry significant weight. The good news, however, is that there are strategies that small ag financial institutions can employ to mitigate the risks associated with ag lending. Pay strategies. Current ratio. Debt to net worth. Save strategies.

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PYMNTS

NOVEMBER 16, 2020

In the wake of the 2008 global financial crisis, and banks' subsequent pullback from the small- to medium-sized business ( SMB ) lending arena, a slew of alternative lenders emerged onto the scene to fill the credit gap. This is a market that's going to be digital-first in the future," he said.

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Abrigo

FEBRUARY 23, 2022

Making small business loans efficient and worthwhile Digitalizing the lending process can help financial institutions win small business loans and meet customers' needs. You might also like this webinar on small business lending best practices. Top problems in small business lending. Roadblocks to Success.

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Abrigo

FEBRUARY 23, 2022

Loan Decisioning Allows Small Business Lending to Grow Community financial institutions can leverage automated loan underwriting to increase small business lending and achieve consistency. . Takeaway 2 Loan decisioning allows institutions to efficiently allocate credit analysts’ time for profitable small business lending.

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South State Correspondent

SEPTEMBER 20, 2022

Last week, the American Banking Association (ABA) held its annual Bank Marketing Conference in Denver, receiving rave reviews. The theme was – developing your marketing superpowers. Amid the brewery networking, superhero costumes, and fun, some fantastic bank marketing lessons were had, and not just for bank marketers.

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Abrigo

DECEMBER 17, 2021

Following a successful partnership with Abrigo the Paycheck Protection Program and seeing the benefits of digitalization, Capital City Bank expanded its relationship with Abrigo to transform its lending process processes with the Abrigo Loan Origination System (LOS). Lending & Credit Risk. Lending & Credit Risk.

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Abrigo

FEBRUARY 14, 2024

Find commercial real estate risks in the loan portfolio Sound risk management practices in commercial real estate lending help lenders manage CRE credit losses and protect the portfolio's profitability. You might also like this podcast, "How to sleep easier at night about your capital and risk levels."

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South State Correspondent

JUNE 24, 2022

However, because short-term interest rates are projected to be 2.00% higher within one year, stress testing cash flows with a 4.00% increase represents only 2.00% above the market-expected rate. Nonetheless, even at 2.00% above the market expected rate, many loans originated today will not cashflow above 1.0X. Conclusion.

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South State Correspondent

JULY 17, 2022

The swap rate is determined by the markets’ expectation of where short-term rates will be over the swap’s life. A similar concept applies in the Treasury market – the yield on the 10-year Treasury is the markets’ average expectation of the yield on the next 40 consecutive three-month Treasury Bill yields.

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South State Correspondent

DECEMBER 11, 2022

The graph below shows the lending curve from three months to 20 years and demonstrates the average commercial loan rates for different repricing terms. We expect this to become more pronounced over the next few months as the Fed reaches its terminal rate, which the market expects to be 5.00% or another 1.00% in rate hikes. Conclusion.

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PYMNTS

DECEMBER 11, 2020

Because we're in the midst of a pandemic, businesses are considering how much debt they want to take on right now," he explained. They're balancing that with how to keep their business afloat, versus what they need for long-term growth in their business.". Puskar described the early days of the PPP effort as "hectic."

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CFPB Monitor

NOVEMBER 28, 2022

On November 17, 2022, the Consumer Financial Protection Bureau (“CFPB”) announced in a blog post that it is in seeking to build a new data set that “will allow for a more robust understanding of market trends” in the auto market. But, despite its size, we know much less about the auto lending market.

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Abrigo

FEBRUARY 12, 2020

Key Takeaways Commercial real estate lending will be a top focus for many financial institutions in 2020. Real Estate Market Outlook. MBA Vice President for CRE Research Jamie Woodwell said in a news release that low interest rates gave CRE markets a boost last year. “In CRE Lending. Lending & Credit Risk.

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South State Correspondent

FEBRUARY 12, 2022

In a recent blog [ Here ], we argued that banks are almost always in an inferior position by not re-quoting the loan rate with market movement until the loan closes. The market expects the five-year Treasury in two months to be 1.92%. How Volatility Impacts Rate Locks. Lending Reality.

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South State Correspondent

OCTOBER 4, 2022

The Federal Reserve Open Market Committee (FOMC) has raised short-term interest rates by 3.00% in the six months between March and September. The market is now forecasting an additional 1.25% in hikes by year’s end, with the next move coming on November 3rd. However, all of these five predictors are, on average, wrong.

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Bank Innovation

MAY 18, 2016

In the US alone, the unfulfilled small business lending market was estimated to have reached $96.5 That’s a lot of lending mouths going hungry, but also a big pie up for grabs by those smart enough to work out how to actually lend to Read More. billion in Q4 of 2015.

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PYMNTS

OCTOBER 9, 2020

The pandemic has cast a chill across the loan process, but Matt Harris , co-founder and CEO of Bloom Credit , told PYMNTS that a lack of credit data and creative alternative solutions might be causing even more lending problems. He said Chime is a good example of the years of work required to come to market with a new credit product.

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South State Correspondent

AUGUST 21, 2022

We compared and contrasted the two strategies and sized the market for community banks. Lending Discipline: Hedging programs make loan pricing more transparent and force bankers to exercise sensible pricing methodologies. The post How to Choose a Hedge Provider as a Bank appeared first on SouthState Correspondent Division.

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Abrigo

SEPTEMBER 7, 2023

Adapt to a dynamic banking environment with real-time lending & credit data Lender dashboards and reports showing the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, etc. Ironically, data for making lending and credit decisions for the financial institution can also be one of the toughest assets to harness.

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Abrigo

JUNE 3, 2019

SBA Lending Can Be a Hidden Gem for Some Institutions. With proper planning and the utilization of technology, SBA lending can boost customer acquisitions and deposits. How can we get more participation from banks and credit unions across the country? While participation in SBA lending dwindles, SBA loans are thriving.

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Abrigo

JANUARY 18, 2017

In an increasingly competitive banking environment, many banks and credit unions are re-evaluating their lending portfolios to see where they might have strong opportunities for competitive growth. For many, that area is Small to Medium Business Lending and Commercial Real Estate. percent of a credit union’s assets.

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South State Correspondent

MAY 15, 2024

The thinking is that diversification-induced lending leads to banking resiliency. We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify.

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South State Correspondent

MAY 15, 2024

The thinking is that diversification-induced lending leads to banking resiliency. We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify.

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South State Correspondent

JANUARY 20, 2020

We work on thousands of lending transactions every year with hundreds of community banks across the country. We witness the good, the bad, the ugly, and occasionally the very bizarre in bank marketing, under

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The Financial Brand

NOVEMBER 16, 2020

The post How to Nail the Small Business Banking & Lending Market in 2021 appeared first on The Financial Brand. Rough times mean stepping up your digital game to fend off fintech niche players and adding relationship managers who are effective remotely.

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Abrigo

DECEMBER 14, 2023

You might also like this on-demand webinar, "Strategic plan: How to develop and monitor at your financial institution." Learn how to tap your data to generate management insights. Here are some sample questions: What specific insights do you have for the next year in our market? How much of a leap is it to reach your goal?

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PYMNTS

MARCH 6, 2020

But for financial institutions (FIs), some of which have been around for decades, understanding how to take the first steps in the digitization process can be an overwhelming task. He pointed to small business lending operations as one example of this balancing act. and down the market toward smaller financial institutions.

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Independent Banker

FEBRUARY 28, 2022

The question is whether financial institutions will feel the positive impact of the current indicators or if uncertainty and volatility in the mortgage market will prevail. Developing leaders in mortgage lending. You’ll learn about: The 2022 mortgage market outlook. How to turn insight into action. While the U.S.

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