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Food for Thought: A Policy on Credit Exceptions

Abrigo

When and how to cite credit exceptions A policy on credit exceptions can address many factors that can lead financial institutions to diverge from loan policy and miss signs of potential trouble. You might also like these on-demand webinars on tackling common credit risk questions. and property tax payments.

Policies 195
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3 Traits of a Strong Loan Reviewer – Video

Abrigo

As a loan reviewer, you need to be technically sound in order to do your job, which means you need to have a fundamental understanding of financial analysis, tax analysis, and all of the regulatory laws that surround the credits that you’re going to be reviewing,” Cooley says. Credit Risk Management. Credit Risk Regulation.

Video 195
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How to Conduct an Exam-Proof BSA/AML Risk Assessment

Abrigo

Inherent risk is any activity or factor posed to the financial institution, notwithstanding applying any management or risk mitigation tools. After adjusting the inherent risk for the institution’s risk management controls, residual risk represents the bank or credit union’s current risk.

How To 195
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What Basic Functions Should My Loan Origination System (LOS) Perform?

Abrigo

Knowing these elements of an LOS and an LOS vendor is critical for senior financial institution executives either shopping for an LOS for the first time or considering an improvement to their bank or credit union’s current business lending process. LOS process management features. Lending process management is key to timely decisions.

System 195
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CRE loan distress: Spot the symptoms, diagnose, and treat problem loans

Abrigo

How to respond to CRE loan distress Use these tips for banks and credit unions to identify and handle commercial real estate loans that are showing signs of being problem CRE credits. Beyond a hard money default due to a payment or maturity event, early warning signs for CRE loans typically manifest as a : Failure to pay real estate taxes.

Strategy 221
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The math behind small business lending: Problems & possibilities for banks & credit unions

Abrigo

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending. Record new business formation and a wider gap between U.S.

Lending 243
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How Are PPP Loans Forgiven? What We Know Now

Abrigo

The SBA has not clearly defined how to calculate FTE employees, but it has noted that its calculation of employees for size eligibility purposes (the 500-employee threshold) was not based on FTEs. Lending & Credit Risk. SBA Lending. Lending & Credit Risk. Portfolio Risk & CECL. Learn More.

Taxes 195