It’s Time Again…

It’s Time Again…

In May, I had the opportunity to speak at the Independent Bankers Association of New York State conference.  There were several speakers and varieties of issues were discussed.  Regardless of the topic, all the speakers agreed on one thing-we are looking at an economic downturn in the near future.  A downturn can mean many things for a financial institution including:  Revamping […]

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Is your portfolio ready for the future?

As we move into the end of the first quarter of 2019, interesting economic trends are appearing: Personal credit card balances are up 10.7% between September 2018 and October 2018 5% of student loans are 90 days or more delinquent Personal auto loan delinquencies are at the highest since 2012 A slowdown in the global […]

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Back to the Basics

Back to the Basics

At the end of each year, I think about lessons learned.  The windup of 2018 is no different.  What did we see financial institutions doing well?  What are the areas needing improvement?    As we move into 2019, I think we need to look at the basics.  Is your financial institution following processes that work or processes that have […]

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