Are You Ready to Reserve for Loan Loss? 

Are You Ready to Reserve for Loan Loss? 

Are You Ready to Reserve for Loan Loss?  Now that we’ve settled into a new decade, the industry will continue looking into how financial institutions will continue to place an emphasis on being more competitive. Another key trend this year will be a focus on managing risk and reserving for loan loss, especially in the […]

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Business Analytics is Part of the Full Lending Performance Cycle 

Business Analytics is Part of the Full Lending Performance Cycle 

Business Analytics is Part of the Full Lending Performance Cycle  On several occasions I’ve spoken about the “Full Lending Performance Cycle” (FLPC). This cycle is comprised of several steps aligned with the origination process and aftermath when evaluating a portfolio. One tool for evaluating the portfolio is business analytics. As CECL adoption comes closer to reality, the lending process becomes even more interconnected. For simplicity purposes, the […]

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Regulations Continue to Stay Top of Mind for Foreseeable Future

Regulations Continue to Stay Top of Mind for Foreseeable Future

Nearly ten years after the financial crisis, the long shadow it has cast has started to fade – except with respect to regulations. From the new CECL standards to HMDA, compliance remains top of mind for bankers.   In the past, bankers relied on their experiences and knowledge to understand the various requirements. Now, these regulations are embedded […]

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