Gonzobanker

MARCH 21, 2024

Minority small business owners need ‘fair and accessible’ lending. Department of Housing and Urban Development, fair lending “guarantees the same lending opportunities to everyone” by “prohibiting lenders from considering race, color, national origin, religion, sex, familial status or disability when applying for loans.”

Lending 78

Lending How To Capital Data 78

Bank Innovation

FEBRUARY 27, 2020

An update to Square’s credit risk model for its Square Capital commercial lending product — first disclosed yesterday — was “a key driver of Capital’s outperformance in the fourth quarter,” the company said. The advancement of Capital is key for Square as it continues to grow the fast-growing — and lucrative — lending product.

Lending 284

Lending Capital Company Innovation Strategies 284

Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. anticipates a low double-digit increase in its commercial lending in 2022. Quick Stat.

Lending 158

Lending Community St. Louis Community Bank 158

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. What does matter is strategy. Next to strategy, your customer segments are going to drive the greatest franchise value.

How To 195

How To Strategy Capital Lending 195

PYMNTS

MARCH 15, 2019

Some of the largest global financial institutions are taking steps further into Mexico’s small business lending and finance space, the result of heightened competitive pressure imposed by FinTechs and alternative lenders in the market, reports in the Wall Street Journal said Thursday (March 14). ”

Lending 189

Lending Fintech National Taxes 189

PYMNTS

JULY 7, 2020

and other nations around the world as a result of the global pandemic continues to draw comparisons to the 2008 financial crisis — so it’s only natural that analysts may turn to the past in an effort to predict what could lie ahead. “It comes in waves, there’s no doubt about it,” he said about the alt-lending boom.

Lending 171

Lending Industry Fintech UX 171

PYMNTS

APRIL 6, 2020

Jamie Dimon, chief executive officer of JPMorgan Chase , sent out his annual letter to shareholders on Monday (April 6), outlining strategies amid the worldwide coronavirus pandemic. . “We America is still the most prosperous nation the world has ever seen.”. trillion a year.

Strategy 159

Strategy Resources America Cards 159

Abrigo

DECEMBER 1, 2014

Credit unions have seen an unprecedented uptick in business-related loans in recent years, according to the Credit Union National Association’s (CUNA) U.S. The NCUA reports that EDP systems designed for consumer lending often do not meet the requirements necessary to service an MBL portfolio. Credit Union Profile. billion to $43.16

Strategy 186

Strategy How To Resources Lending 186

PYMNTS

FEBRUARY 23, 2020

The company is championing a national digital framework in Australia that would speed up the processes used to verify customers. Payment company PayPal is looking at small business credit as a new field of opportunity.

Lending 226

Lending Fintech National Strategy 226

PYMNTS

JANUARY 5, 2021

The Accion Opportunity Fund , which bills itself as the first organization with a nationally focused, small business microlending strategy, was launched in March 2020 when Opportunity Fund and the Accion U.S. Network teamed up.

San Jose 198

San Jose Lending Community California 198

Bank Innovation

AUGUST 7, 2019

Peer-to-peer lending program LendingClub is exploring the possibility of obtaining a national bank charter as it adjusts its strategy following a $10.6 million loss in the second quarter. “To

Lending 170

Lending National Strategy Retail 170

South State Correspondent

JUNE 8, 2022

With short-term interest rates expected to rise through 2022, many community banks are reconsidering their ALCO strategies. In 2022, national banks are especially active in managing interest rate risk by booking floating rate loans and mandating that borrowers fix their rates through a loan hedging program.

Community Bank 195

Community Bank Community National Strategy 195

South State Correspondent

JANUARY 25, 2024

This strategy is used for various reasons discussed further in this article. Forward Rate Lock Tools National lenders have been using locks for decades, and these instruments can take many forms. As we have discussed before ( HERE ), one common lending mistake is for lenders to hold a rate constant during underwriting.

How To 195

How To Community Bank Community National 195

PYMNTS

AUGUST 30, 2018

29) that the government’s efforts to spur small business lending by pumping money into the financial services market has yielded only modest success. The publication pointed to the government’s conflicting policy of stricter lending rules as one reason why efforts to boost small business loan volumes hasn’t taken off.

Policies 100

Policies Lending Regulation Community 100

CFPB Monitor

OCTOBER 26, 2021

The Biden Administration’s prioritization of fair lending as a law enforcement focus took center stage last week with the announcement that the U.S. Attorneys’ Offices “as force multipliers to ensure that fair lending enforcement is informed by local expertise on housing markets and the credit needs of local communities of color.”.

Mississippi 78

Mississippi Memphis National Tennessee 78

Abrigo

MAY 8, 2024

Another example of using predictive AI is small business lending software that incorporates AI-driven lending intelligence. Abrigo Small Business Lending Intelligence powered by Charm provides loan rating risk scores, the probability of default, and how the score was calculated.

Examples 222

Examples Fraud Resources Risk Management 222

The Financial Brand

FEBRUARY 8, 2023

This article NCUA Chief Targets Rate & Liquidity Risks as Credit Unions Reframe Competitive Strategies appeared first on The Financial Brand. The National Credit Union Administration chairman discusses new regulations, worrisome lending trends, fintechs and more in a wide-ranging interview.

Strategy 35

Strategy Trends Branding Lending 35

Payments Source

JANUARY 9, 2018

The payments company will pay $321 million for Crestmark Bank, a commercial lender that focuses on asset-based lending, equipment finance and government-guaranteed loans.

Lending 63

Lending National South Dakota Payments 63

Abrigo

JANUARY 17, 2024

Human trafficking red flags, strategies, and support Human trafficking is more prevalent than most realize, and banks and credit unions can help prevent it. You might like this upcoming webinar, " Unveiling human trafficking: Perspectives, realities, and strategies." Know the red flags to watch for. and worldwide.

Training 261

Training Community Software Texas 261

South State Correspondent

MAY 23, 2022

The graph below compares the loan repricing mix for banks under $2B in assets, over $25B in assets, and the national average over the last year. We need to analyze the current lending environment and the market’s future expectations to answer that question. The Lending Curve. Optimizing Loan Duration – Industry Comparison.

Lending 195

Lending Community Bank Community Capital 195

South State Correspondent

SEPTEMBER 18, 2023

The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction. However, we believe that community banks should consider a different strategy since community banks’ much higher efficiency ratio results from a different driver.

Management 195

Management How To Community Bank Community 195

South State Correspondent

APRIL 30, 2024

Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans. Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model.

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans. Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model.

Community Bank 195

Community Bank FDIC Community National 195

PopularBank

MAY 25, 2021

Popular Bank Senior Vice President and Director of National Healthcare Financing Andrew Boland joined fellow industry leaders for the Environmental Banker Association (EBA) panel discussion How COVID Changed Senior Living & Care Underwriting. Underwriting valuation and lending requirement strategies to shift.

National 52

National Industry Lending Strategy 52

Abrigo

JULY 10, 2020

Both advisor ies further remind institutions that detecting and reporting fraud and other illicit activity is critical to our national security and protecting innocent people from harm. Lending & Credit Risk. Member Business Lending. SBA Lending. Ag Lending. CRE Lending. Lending & Credit Risk.

Fraud 195

Fraud Lending Software Analytics 195

PYMNTS

JULY 1, 2016

Soon after Lending Club revealed its ex-CEO may have artificially inflated the company’s lending volumes, the U.S. B2B startup D3 Banking provides financial institutions and non-banks with technology to strengthen their digital banking strategies for their own individual and corporate customers. Alternative Lending.

Lending 101

Lending Analytics Capital Industry 101

Abrigo

AUGUST 12, 2019

Abrigo is bringing together the nation’s leading conferences on the new current expected credit loss (CECL) standard, MainStreet Technologies’ National CECL Conference, and the leading conference on lending, credit and portfolio risk best practices, Sageworks’ Lending & Risk Summit. Discover new products.

Conference 150

Conference Lending National Risk Management 150

Abrigo

MAY 20, 2020

FinCEN reminds financial institutions that “detecting, preventing, and reporting COVID-19 scams and illicit activity is critical to our national security.” Lending & Credit Risk. Member Business Lending. SBA Lending. Crisis Business Membership Strategy in 2020: Adapting Technology and Executing in the New Normal.

Lending 195

Lending Fraud Training Report 195

South State Correspondent

AUGUST 21, 2023

Community bankers often lament the COF advantage at national banks – but the numbers do not support this view. First, Moody’s further points out that CRE lending has not been a good source of core deposit funding for many banks. There are significant rollover risks for CRE loans maturing in the next 18 to 24 months.

Community Bank 195

Community Bank Community Capital Analysis 195

Abrigo

JANUARY 30, 2024

The Credit + Lending + Portfolio Risk track will cover topics on managing credit risk, making smarter loans faster, managing the current expected credit loss (CECL), stress testing, and asset/liability management (ALM). The Fighting Financial Crime track will focus on BSA compliance, anti-money-laundering (AML), and fraud detection topics.

Conference 195

Conference Arizona Phoenix Fraud 195

PYMNTS

FEBRUARY 20, 2020

Chinese lenders have cut their prime lending rate to try and prop up their country’s economy, which has been ravaged by the coronavirus, according to the Financial Times on Thursday (Feb. The reduction was expected following the country’s central bank’s lowering of its medium-term lending rate earlier this week.

Lending 130

Lending Course National Strategy 130

PYMNTS

NOVEMBER 27, 2018

Business Insider Australia said Monday (November 26) that Credit Suisse has provided the credit facility worth AUS$350 million to fuel Judo’s small business lending operations. At the time, it was the second-largest fundraising round for a pre-revenue startup in the nation’s history.

Lending 134

Lending Capital Fintech National 134

BankInovation

MAY 15, 2020

Billionaire Jack Ma’s Ant Financial Services Group saw a surge in Chinese banks seeking out its digital technology to keep business flowing after the coronavirus outbreak shuttered branches across the world’s most populous nation.

Strategy 78

Strategy National Groups Mobile 78

The Financial Brand

OCTOBER 24, 2021

Financial institutions must scrutinize marketing, branching and lending strategies as Attorney General targets redlining in mortgage credit. The post Justice Department Sets Major Fair-Lending Enforcement Push appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Lending 32

Lending Banking Trends Analysis Trends 32

Abrigo

JULY 1, 2022

Human trafficking has long been a global concern and has officially become one of the eight national anti-money laundering and counter-terrorism priorities for the United States. The United Nations reports that there are approximately 40.3 This horrific crime enslaves men, women, and children of any age, race, or nationality.

Training 195

Training Fraud National Exercises 195

Abrigo

APRIL 30, 2020

Lenders should develop a comprehensive workout strategy. There has been an influx of calls from consumers who can no longer pay their loans, and this will quickly follow suit on the commercial lending side. 1, 2020, and the earlier of 60 days after the termination of the National Emergency, or Dec. Download Whitepaper.

Strategy 195

Strategy Meeting Software National 195

Jeff For Banks

MARCH 29, 2014

Two sections of the 10k I scroll to is the "Business" section and the "Business Strategy" section. This, one would think, would give me a feel of the bank''s differentiation strategy, it''s perceived competitive advantage, if you will. Well don''t get too excited. I picked Texas because of their perceived independent streak.

Strategy 100

Strategy Texas San Antonio Fort Worth 100