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Steps to Improve the Commercial Credit Process
Expansion of commercial lending has been a strategic focus for many community and regional banks in the last several years. Yet problems in the commercial credit process – defined to include business...
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Trends in Loan Growth: C&I vs. CRE
Doug Skinner of Automated Financial Systems (AFS) shared the latest trends in loan growth in a recent Web seminar. The graph below depicts a trend line of annual growth rates for both commercial and...
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Trends in Utilization Rates
In a recent Web seminar, Doug Skinner of Automated Financial Systems (AFS), discussed a three-year trend in utilization rates, by deal size illustrated by the following graph: Three-year utilization...
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Steps for Safely Lending to Nonprofits
The tight economy of the past few years has hit nonprofits with a double whammy; reduced funding from charitable and governmental organizations plus an increased demand for services. The situation...
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Streamlining Your Risk Committee’s Agenda
Let’s face it: The last appointment anybody wants is another committee meeting. It could be argued that management spends way too much time in committees that fail to contribute to bank performance,...
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Manage Your Social Media Presence for the Greatest Opportunity
A large and growing demographic relies solely on digital media for their buying decisions, stated Matthew Terry, Vice President and Director of Marketing at Independence Bank in Newport Beach, CA...
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Integrating Stress Testing into LRM
It is evident that liquidity stress testing is strongly interconnected with the other core components of the liquidity risk management (LRM) framework (such as RAS, funding strategy and balance sheet...
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Current Risk Appetite Best Practices
During the kick-off of the 2014 Enterprise Risk Management (ERM) Briefings Audio Conference Series, results of a joint survey that RMA recently conducted with Oliver Wyman were shared regarding risk...
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The Role of Risk Management in New Product Development: Keys to Success
Kevin Slane, Director of Enterprise and Operational Risk Management at Hancock/Whitney Bank, shed light on issues driving the risks created by new or materially changed banking products during the...
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Top Concerns of Community Bank Credit Officers
Regulatory issues, stress testing, concentration risk, and staffing challenges were among the issues discussed during a recent meeting of community bank credit officers. The group shared concerns and...
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