Abrigo

OCTOBER 30, 2015

To help mitigate the increased credit risk, banks need to have appropriate risk management processes, including the ability to measure, monitor and control the risk, according to Curry. One area of credit risk that is concerning to the OCC is auto lending, which has been steadily growing in recent years.

Credit Risk 60

Credit Risk Credit Scoring Credit Unions 60

Abrigo

APRIL 24, 2023

That put construction lending at its highest percentage of gross loans since the second quarter of 2011. Construction loans made up 3.82% of all loans and leases, up from 3.73% in the third quarter. So far, in 2023, residential construction loans have surged again. But rapidly rising rates and slowing home sales may hamper future gains.

Credit Risk 78

Credit Risk Default 78

FICO Blog

DECEMBER 8, 2022

Underestimating less resilient delinquent borrowers’ default risk under stress results in a reduced collections priority, allowing other creditors to compete more effectively for limited repayment resources. Figure 3: Percentage of consumers with 30+ day delinquent trades as of October 2010 and no delinquent trades by October 2011.

Credit and Collections 52

Credit and Collections Debt Collections Default Credit Risk 52

Abrigo

MAY 10, 2022

For example, if we were doing a core deposit analysis today and our initial study group was from 2011, how much of our current balance comprises balances from that initial 2011 group? Gauge Your Institution’s Risk from Inflation: Planning Ahead with Stress Testing. Lending & Credit Risk. Learn More.

CECL 78

CECL Credit and Collections Credit Risk 78

Abrigo

AUGUST 3, 2017

For perspective, a mere 4 banks have opened since 2011, and two of those were in 2017 alone: both International Bank of Commerce of Oklahoma City, OK, and Blue Gate Bank of Costa Mesa, CA, opened in January 2017. Monk writes that there were 6 applications for deposit insurance in 2016.

Credit Unions 60

Credit Unions Credit Risk 60

Abrigo

AUGUST 1, 2022

SR 11-7, issued by the Federal Reserve and OCC in 2011, is the supervisory guidance on model risk management. Lending & Credit Risk. Portfolio Risk & CECL. Best Practices for Purchasing Bank or Credit Union Software. Portfolio Risk & CECL. Federal guidance. keep me informed. Whitepaper.

CECL 78

CECL Credit Unions Credit Risk 78

Abrigo

AUGUST 20, 2015

Although loan volumes have increased steadily since 2011, recent increases have coincided with a period of declining farm income,” said a recent report from the Federal Reserve Bank of Kansas City. The Fed report said that average risk rating for all farms loans was approximately three, meaning moderate risk.

Credit Risk 60

Credit Risk Credit Unions 60