Abrigo

AUGUST 8, 2021

Independent Loan Review Systems in Banking Banking regulators have outlined expectations for effective, independent loan review and credit risk review. . Takeaway 1 A system for ongoing, independent credit risk review will not look the same from institution to institution. Recommendations for independent loan reviews.

Credit Risk 78

Credit Risk Credit Unions CECL Credit and Collections 78

Abrigo

OCTOBER 9, 2019

Stress Testing | 6 minute read Key Takeaways Stress testing is a useful tool to help guide CECL decisions. Charge offs were close to zero for most banks since 2013, according to call report data from S&P Market Intelligence. Top-down testing uses pool orientation and segmentation to make decisions. The top-down approach.

CECL 60

CECL Transactions Credit Risk 60

Abrigo

MAY 5, 2022

Breaking Banks Breaking Banks , billed as the #1 global fintech podcast and radio show, began in 2013 and is hosted by media firm Provoke.fm. Listen to the podcast episode, " How To Sleep Easier at Night About Capital and Risk Levels.". CECL Models. Lending & Credit Risk. Portfolio Risk & CECL.

Credit Unions 78

Credit Unions CECL Credit Risk 78

Abrigo

FEBRUARY 23, 2023

According to the Federal Reserve Bank of Kansas City , community banks’ deposit market share dropped to 15% in 2022 from 22% in 2013. For smaller banks, longer-term industry consolidation trends and competition are also eroding deposit market share. Talk to a specialist to learn more.

Credit Risk 78

Credit Risk CECL Small Businesses 78

Abrigo

NOVEMBER 11, 2019

Bankers since the financial crisis have become accustomed to seeing language like the following: “The FDIC is re-emphasizing the importance of prudent interest rate risk oversight and risk management processes to ensure FDIC-supervised institutions are prepared for a period of rising interest rates.” FDIC FIL-46-2013 October 8, 2013.

CECL 60

CECL Credit Risk 60

FICO Blog

DECEMBER 8, 2022

FICO® Scores, often an important contributor to underwriting risk management strategies, are designed to provide valuable risk rank-ordering through all economic cycles. Assume an auto finance portfolio’s current underwriting risk management strategy requires applicants to have an expected 24-month default rate less than 3%.

Default 52

Default CECL Credit Risk 52