Insights for Smarter Lending Decisions — Articles, News, and Thought Leadership.
U.S. Banking Regulators Step Up Rhetoric on CRE Loan Standards
U.S. regulators sent a strong signal to bankers that they are preparing to crack down on risky commercial real-estate lending, threatening to force...
Commercial Banking Risks and How to Stay Protected
The lending department at community banks and credit unions are responsible for many different aspects related to commercial loans. Every loan that...
Regulatory Changes and What It Means for Community Banks
Now more than ever, banks must demonstrate compliance with regulatory requirements for commercial lending. While big banks may have sophisticated...
How Community Banks Can Maintain Compliance Costs with Today’s Cloud-based software
New banking regulations are driving up the operation costs for banks of all sizes. While it’s easier for big banks to purchase new data tools to...
Prepare Now: FDIC Stress Testing Requirements Affecting Community Banks
Since the 2008 financial crisis, the FDIC has mandated that banks holding over $10 billion in assets must have robust stress-testing practices in...
Quality of Risk Management: Risk Reporting, Management and Compliance
FDIC stress testing regulations affect banks that hold over $10 billion in assets. Yet if you think your community bank is immune from having to put...
4 Benefits to Community Banks That Stress Test
Currently, banks with over $10 billion in assets are required by the FDIC to complete stress testing. If you are part of a community bank or credit...
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The Benefits of Cloud-Based Commercial Lending Software
Technology is becoming increasingly more prevalent in how businesses operate, and banking is no exception. Cloud-based financial lending software offers banks and credit unions much more flexibility, reliability, and agility – all while allowing them to cut costs at...
SaaS Lending Software vs. Traditional Software
Deciding whether to implement Software-as-a-Service (SaaS) vs. traditional legacy software for assessing commercial loan risk should be based on several different factors. In addition to ensuring the software can perform the necessary operating tasks, it’s important...