Abrigo

OCTOBER 21, 2020

The CMBS delinquency rate reached 10.31% earlier this year, and the peak ever was 10.34% in July 2012 so we reached almost the peak historically but have been slowly decreasing ever since. Credit Risk Management. Lending & Credit Risk. Lending & Credit Risk. Portfolio Risk & CECL.

CECL 125

CECL Credit Risk Default 125

Your Virtual Credit Manager

FEBRUARY 13, 2024

After, the Great Recession of 2008, commercial bankruptcies peaked in 2009 and did not drop below pre-recession levels until 2012. Clearly, the level of Business Credit Risk is going to remain elevated as we move through 2024, bringing with it the potential for corresponding increases in bad debt and delinquency.

Bankruptcy 130

Bankruptcy Credit and Collections Bad Debt Accounts Receivable (AR) 130

Abrigo

JANUARY 29, 2020

Sluggish commodity prices and climbing expenses for farmers puts added pressure on small ag banks (banks with total assets under $500 million and at least 15% of the loan portfolio in ag production or ag real estate loans), which have significantly increased loan volume since 2012. Credit Risk. Lending & Credit Risk.

Credit Unions 78

Credit Unions Credit Risk Bankruptcy 78

Abrigo

JULY 2, 2019

The following article is based on the whitepaper, The Ag Lender’s Survival Guide by Rob Newberry, SVP of Credit Risk Services at Abrigo. Today, most of farmers’ cash reserves that were built up in 2012-2014 are at, or nearing, depletion. To download the whitepaper, click here.

Credit Risk 60

Credit Risk Credit Scoring 60

Abrigo

SEPTEMBER 24, 2015

Presentations at the conference, which kicked off Wednesday in Chicago and runs through Friday, have focused on how financial institutions will be impacted by the transition from the existing incurred-loss model, as well as what banks and credit unions can do now to better prepare for CECL ’s eventual implementation.

CECL 84

CECL Credit Unions Credit and Collections Credit Risk 84

Your Virtual Credit Manager

MARCH 21, 2023

This is another reason to re-evaluate the credit risks lurking in your AR portfolio. The resulting disruption on Wall Street will eventually affect main street as we saw from 2008 through 2012 when business bankruptcies returned to pre-recession levels. How large will the impact on the banking system and economy be?

Accounts Receivable (AR) 130

Accounts Receivable (AR) Bankruptcy Bad Debt Credit and Collections 130

Fundera

MARCH 3, 2016

This option also means that there’s no need to justify a business plan or convince a bank that you’re an acceptable credit risk. There is one caveat, though: interest rates tied to these loans might be higher than those attached to conventional bank loans, because of the elevated credit risk for lenders.

Credit Risk 75

Credit Risk Small Businesses 75