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How To Let Borrowers Choose the Wrong Loan Structure

South State Correspondent

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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How to Practice Loan Pricing Discipline

South State Correspondent

Further, bankers need to be realistic about assumptions such as usage, probability of default and loss given default, and cross-sell opportunities (such as deposit size, deposit stickiness, and deposit costs) – all of these inputs are forward-looking and must be modeled, stress-tested, and adjusted with market changes.

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How to Use RFM Customer Segmentation Analysis in Banking

South State Correspondent

How RFM Customer Segmentation Analysis Works Recency, Frequency, and Monetary value are each aspect of a customer trait that denotes some value in banking. What Questions Does RFM Customer Segmentation Answer RFM analysis helps bank marketers and management find answers to the following questions: Who are our best customers?

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How to Set Your Strategic Planning Time Horizon

South State Correspondent

Deposits generate the bulk of a bank’s value yet most banks spend little on deposit marketing and product design. You can buy loans, but you can’t buy bulk deposits for below market rates. Instead of being proactive in product design, most banks just play defense only rolling out a new product in an effort to “keep up with the market.”

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A Comprehensive Guide to Construction Loan Issues for the Commercial Loan Market

It is important to enter the loan and construction process with a clear understanding of how it works, the challenges that will arise, and how to avoid potential pitfalls.

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Member business lending: How to leverage MBL for credit union growth

Abrigo

Perform satisfactory appraisal reviews with appropriate assumptions, methodology, and market comparisons. Geographic risks: If loans outside the credit union's market area aren't restricted, draft policies outlining criteria for granting them.

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How to Solve for Missing Data in Marketo

Perficient

So you’ve purchased Marketo Engage to improve your marketing-to-sales relationship and are eager to start implementing the system, but your missing key data points, like email addresses. How do you solve for this missing data and still reap the benefits of your Marketo system?

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Unique Challenges in the C&I Market Bridging the Gap from Attorneys to Tech

Speaker: Ren Hayhurst, Sr. Counsel and Executive Director

Immerse yourself in the world of C&I lending as we explore the unique challenges to the market. Learn how to bridge the gap between technology and attorneys to enhance operational efficiency. From regulatory compliance to the complexities of supply chains, gain valuable insights.

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How to Choose the Best Automated Documentation System for Commercial Loans

The ability to efficiently and accurately process these loans is the key to surviving and dominating a competitive market. For lenders, this means an influx of loan applications and paperwork.

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The Non-QM Market Experiences a Remarkable Comeback: Check Out the Industry Guide

As the commercial lending market continues to evolve, non-QM loans are becoming an increasingly popular offering among lenders looking to create new revenue streams. While lenders took a hit during the pandemic, the housing shortage is driving more investors to seek out non-conventional loans in order to meet demand.

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How to Stay Competitive in the Evolving State of Martech

Marketing technology is essential for B2B marketers to stay competitive in a rapidly changing digital landscape — and with 53% of marketers experiencing legacy technology issues and limitations, they’re researching innovations to expand and refine their technology stacks.

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Your Guide to Using Conversational Marketing to Drive Demand Generation

Enter conversational marketing — the new paradigm to tackling your business deals and converting prospects in minutes. Studies show the return on investment (ROI) of conversational marketing helps your marketing team drive revenue.

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Marketing-Led Post-COVID-19 Growth Strategies

Any return to normalcy may seem far-off, but sales and marketing are on the front lines of restarting the economy. However, there’s no team better suited to lead that charge than the marketing department. Getting consensus on how to define “qualified leads”. Strategically aligning your systems and teams.

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Best Practices for a Marketing Database Cleanse

Multiple industry studies confirm that regardless of industry, revenue, or company size, poor data quality is an epidemic for marketing teams. Download ZoomInfo’s latest data-driven eBook aimed to help marketing leaders understand the best practices around choosing a B2B contact data provider.

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How ZoomInfo Enhances Your ABM Strategy

For marketing teams to develop a successful account-based marketing strategy, they need to ensure good data is housed within its Customer Relationship Management (CRM) software. According to Forrester Research, only 8% of marketing professionals have confidence that their data is 90-100% accurate.