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Generative AI in credit risk management: A game changer for loan review

Abrigo

From paper-ledger loan reviews to digital spreadsheets and now to artificial intelligence, each leap has brought efficiencies that reshape how financial institutions assess credit risk. Generative AI in credit risk management is the latest step forward , offering a transformative approach to loan review.

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The resilience of small businesses: Insights for lenders

Abrigo

Bank and credit union leaders can use data to inform small business lending Small businesses are showing resilience. Despite borrowing more and tapping credit lines, they're managing leverage and meeting debt obligations, according to Abrigo's proprietary data. Business credit line utilization is up. A recent U.S.

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Managing credit concentration risk

Abrigo

Effective loan review is a key element of managing concentration risk in loan portfolios. Its a good reminder that in todays environment, risk managers and credit professionals should reexamine how they identify, assess, and communicate portfolio vulnerabilities. A rural credit union might amass numerous agricultural loans.

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2025 Credit portfolio risk and balance-sheet management outlook

Abrigo

Likely trends are shaped by a dynamic rate environment The top issues facing executives managing credit portfolio risk and the balance sheet at financial institutions are shaped largely by the dynamic rate environment, according to Abrigos outlook for major trends in the year ahead.

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Abrigo Lending Insights: Current interest rate trends for banks and credit unions

Abrigo

Data for banks & credit unions Real-time pricing trends for loans Now that the Fed has lowerered interest rates , financial institutions will want to carefully monitor current loan interest rate trends in their markets to remain competitive as rates drop. Would you like other articles like this in your inbox?

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

Abrigo

Develop an MBL program while mitigating risk Credit unions looking for alternate paths to growth in today's rising rate environment may be primed to leverage member business lending. Takeaway 3 The specific policy areas outlined below should be carefully considered by credit unions engaged in member business lending.

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Why financial institutions are rethinking 2D risk rating models

Abrigo

This blog breaks down the pros, cons, and what financial institutions should consider when evaluating their risk rating approach. Is a 2D risk rating model still worth it? An effective risk rating framework is probably the single most important tool a bank can use when it comes to managing credit risk.

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