Abrigo

JANUARY 29, 2020

Key Takeaways The FDIC issued an advisory to FIs encouraging safe and sound lending practices in today's ag lending environment. FDIC) issued an advisory to financial institutions encouraging exceptionally safe and sound lending practices in agricultural lending. Learn More.

Lending 195

Lending How To FDIC Survey 195

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.

Lending 195

Lending Community Bank Community Analysis 195

Abrigo

SEPTEMBER 23, 2014

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. As a result, many banks are moving back into commercial real estate lending and borrowers are presented with more options. According to Forbes , U.S. Blog Bank'

Lending 261

Lending Management Risk Management How To 261

Abrigo

DECEMBER 17, 2021

For banks and credit unions, this often means a deep understanding of regulations and compliance and adhering to the institution's risk management standards. Lending & Credit Risk. How to Establish Quality Fintech Partnerships. Lending & Credit Risk. Lending & Credit Risk. Asset/Liability. Learn More.

Fintech 195

Fintech How To Innovation System 195

Abrigo

JUNE 18, 2020

Key Takeaways The Paycheck Protection Program (PPP) has been a critical foothold for community financial institutions seeking to obtain and diversify business lending relationships. PPP opens the door for new business lending relationships. Reimagining branches post-pandemic to support business lending. learn more.

Lending 195

Lending Strategy Resources Community 195

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."

Risk Management 195

Risk Management Management Lending Capital 195

Abrigo

DECEMBER 31, 2019

The top lending and credit blog posts focused on improving loan pricing, creating a better experience for borrowers, and developing risk ratings. Those priorities are apparent in the most popular Abrigo lending and credit blog posts for the year. Popular articles about credit, lending. Top blog posts reflect bank, CU priorities.

Lending 150

Lending Community Bank Software System 150

Abrigo

DECEMBER 13, 2019

To avoid this inconsistent, “wild west” mentality on rates and returns and create a more reliable process with more money to lend out, then institutions must strategically price to earn a specific loan return on equity (ROE) and/or return on assets (ROA). How to bundle accounts. BSA Rules and Regulation. CECL Regulation.

How To 195

How To Lending Strategy Regulation 195

Abrigo

FEBRUARY 12, 2020

Key Takeaways Commercial real estate lending will be a top focus for many financial institutions in 2020. Despite expectations for growth, bankers, regulators, investors, and others are watchful about potentially lower returns and credit risks ahead. CRE Lending. Lending & Credit Risk. Lending & Credit Risk.

Lending 195

Lending Trends FDIC Survey 195

BankInovation

JULY 6, 2021

There is no “one-size-fits-all” approach to making AI-driven decisioning by financial institutions explainable and fair, but lenders want regulators to clarify how to measure the technology’s disparate impact and explainability.

Regulation 98

Regulation Lending How To Compliance 98

South State Correspondent

AUGUST 21, 2022

Lending Discipline: Hedging programs make loan pricing more transparent and force bankers to exercise sensible pricing methodologies. FDIC regulations afford QFCs certain rights and protections that will accrue to the hedge end-user (a community bank or a community bank borrower) if the hedge provider fails and the FDIC becomes the receiver.

How To 195

How To Community Bank Community FDIC 195

PYMNTS

MAY 31, 2019

The 2008 financial crisis gave rise to the alternative lending market as a result of a massive gap in available capital, especially for small businesses and startups. It encouraged banks to develop their own digital lending solutions and collaborate with their one-time rivals to step up the borrowing experience for SMBs.

Lending 130

Lending Regulation Capital Industry 130

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.

Report 195

Report Lending Trends Data 195

PYMNTS

OCTOBER 9, 2018

regulators to introduce stricter small business (SMB) lending regulations, claiming that lax regulatory oversight is what allowed RBS to avoid punishment after a watchdog found the financial institution (FI) had unfairly treated small business customers of its Global Restructuring Group (GRG). According to City A.M.

Regulation 151

Regulation Lending Groups Report 151

PYMNTS

SEPTEMBER 3, 2019

regulations have been working to elevate business banking competition and expand access to capital for corporate and SMB borrowers, but the latest reports from the government suggest those efforts are falling short. billion decline in net lending to companies in the month driven by the $2.43 Reports in The Irish News on Saturday (Aug.

Lending 116

Lending Meeting Capital Industry 116

Abrigo

APRIL 12, 2021

What an LOS Is, and How It Benefits CFIs A loan origination system automates and manages the lending process to address common challenges. Takeaway 1 The lending landscape is increasingly competitive and the process is frustrating. It’s also important to understand how an LOS may be able to help your bank or credit union.

System 338

System Lending Software Analysis 338

Abrigo

DECEMBER 14, 2023

You might also like this on-demand webinar, "Strategic plan: How to develop and monitor at your financial institution." In a banking landscape that is constantly changing with new regulations, increasing competition, and other new challenges, it is critical to maximize your strategic plan's effectiveness. Explore Abrigo Connect.

Lending 221

Lending Risk Management Meeting Survey 221

Abrigo

NOVEMBER 8, 2019

Some financial institutions may view stress testing as a “check the box” practice to satisfy regulators, but others are making the most out of the process. Effective stress testing can benefit many different facets of lending, from risk management and strategic decision-making to capital adequacy and liquidity management. Learn More.

Lending 150

Lending Risk Management Analysis Capital 150

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. “My guess is, if you went to 100 community banks, maybe five would know how to describe open banking ,” he said.

Lending 194

Lending Risk Management Fintech Community 194

Abrigo

DECEMBER 22, 2023

Abrigo's most popular risk management blogs over the last 12 months cover topics that continue to catch the attention of professionals and regulators. So how can banks and credit unions quickly spot warning signs so they can act during volatile economic, industry, and institutional conditions?

Risk Management 221

Risk Management Regulation Management Lending 221

Abrigo

MAY 18, 2023

How to evaluate loan review processes based on their scope and depth A closer look at loan review can help your institution determine what steps to take to please regulators and streamline processes. You might also like this webinar, "Return to basics: Asking the right credit risk questions."

Lending 195

Lending Training Guidelines Policies 195

Abrigo

AUGUST 8, 2021

Independent Loan Review Systems in Banking Banking regulators have outlined expectations for effective, independent loan review and credit risk review. . The change reflects regulators’ expectations that financial institutions will develop loan review or credit review systems tailored to their specific risks and circumstances.

System 195

System Lending Policies Regulation 195

Abrigo

JUNE 17, 2015

Like other types of lending, banks must remain cautious to avoid too heavy of an agricultural concentration or too much lending within a certain ag segment. The challenge is that market conditions in this type of lending tend to be volatile. Without diversification, risks will be expounded.

How To 150

How To Kansas City Lending Analysis 150

South State Correspondent

MAY 9, 2023

The regulators are considering three options: raising the limit above $250k, raising the cap for only certain accounts (such as banks’ business accounts), or eliminating the cap entirely. Can Regulators Help The banking industry needs regulations and regulators to review banks. economy needs. economy needs.

FDIC 195

FDIC Regulation Capital Management 195

Abrigo

JUNE 12, 2023

A regulatory baseline Benefits to adopting the model money transmitter act framework Money transmitters are regulated at the state level, and the absence of a standardized licensing and regulatory framework across states can lead to consistency and challenges for money transmitters. alone, handling $6 trillion in payments.

Compliance 195

Compliance Fraud Regulation Guidelines 195

PYMNTS

MAY 9, 2016

Last week, OnDeck, Kabbage and CAN Capital banned together to form the Innovative Lending Platform Association (ILPA), an advocacy group to champion increased transparency for small business borrowers in the alternative and marketplace lending sphere. Is the alternative lending space concerned about incoming regulation?

Regulation 100

Regulation Lending Capital Industry 100

Abrigo

SEPTEMBER 2, 2020

Key Takeaways With more customers leveraging channels like online and mobile banking, community financial institutions are trying to solve how to maintain their hallmark community focus in an increasingly digital world. Community financial institutions' experience with PPP technology also translates to other areas of lending.

Lending 259

Lending Community San Antonio Survey 259

Abrigo

APRIL 21, 2023

Focus loan reviews on risk in the portfolio Continuous loan review monitoring helps banks and credit unions ensure credit review systems support safe and sound lending. discussed how they use continuous monitoring in their efforts to ensure safe and sound lending practices.

Lending 195

Lending Risk Management Software System 195

Abrigo

OCTOBER 31, 2022

Real estate lending BSA training should include GTO guidance , specifically on how to identify red flags at loan origination. While title insurance companies are required to collect and report data on covered transactions, regulators expect financial institutions to have procedures in place to detect these transactions.

New York City 195

New York City Las Vegas District of Columbia San Antonio 195

Abrigo

OCTOBER 14, 2022

Fortify your credit risk management framework How to prepare your organization for scrutiny of its credit risk management practices during your next exam or review. . Takeaway 3 Utilize regulatory guidance to understand regulators' expectations, which are likely to include consistent stress testing. Have a playbook.

Risk Management 195

Risk Management Management Policies Lending 195

Abrigo

DECEMBER 28, 2023

Indeed, regulators and management alike focused on these risks more and more in 2023 following the failure of Silicon Valley Bank and repeated rate hikes. Regulators pledged a tougher stance and more aggressive supervision, so Abrigo provided a checklist describing four areas likely to see additional examiner focus.

Resources 221

Resources Risk Management eBook Strategy 221

PYMNTS

SEPTEMBER 25, 2017

The Australian market is quickly becoming a hotbed of alternative lending , and new analysis from KPMG suggests it has risen up in the ranks. A key driver of that growth is favorable government policies, researchers said, with regulators around the world exploring how to ensure borrower protections without stifling innovation.

Lending 100

Lending Regional Analysis Survey 100

PYMNTS

AUGUST 25, 2016

The company takes a more narrow focus to small business lending than some other FIs by targeting the western U.S. But Clearinghouse CDFI can also offer interesting insight into the state of regulation of small business lending and how greater oversight may impact the SMEs that prop up their local communities.

Regulation 100

Regulation Lending Community California 100

Celent Banking

MARCH 30, 2016

Last week, I participated in a Finextra webinar on the topic of “Connected Credit and Compliance for Lending Growth” with panelists from ING, Vertus Partners, Misys and Credits Vision. Cost of compliance. Changing client expectations. Competition from new entrants. Where does this optimism comes from?

Lending 100

Lending Compliance Training Capital 100

PYMNTS

FEBRUARY 11, 2019

As the payments landscape evolves and becomes ever more digital in scope, and as FinTech firms make inroads into traditional financial services, regulators are looking at FinTech credit — and how it might be defined and shaped. There seem to be no easy answers on just how to regulate the space. trillion.

Fintech 195

Fintech Lending Regulation Survey 195

CFPB Monitor

JUNE 21, 2021

As previously reported , the bill signed into law by President Biden on June 17, 2021 to create the Juneteenth National Independence Day actually results in an important change under the Truth in Lending Act (TILA) and Regulation Z. Industry members likely will find the initial guidance to be unhelpful.

Lending 78

Lending Compliance Regulation National 78

Abrigo

MAY 2, 2022

Takeaway 3 Minor inconsistencies between policy and loan portfolio can be a red flag to regulators, so careful review is key. . When and how to update your policy. Your policy should include what type of loans you are actively seeking and what loans you don’t have an appetite for so regulators understand your institution’s direction.

Policies 195

Policies Lending Regulation Examples 195