Strategies, Best Practices and Thought Leadership

Business Banking Outlook is Positive: What this Means for SMB Lending
Posted on September 2, 2024 by Baker Hill
Business owners have an optimistic outlook for the remainder of 2024, according to the BAI 2024 Small Business Banking Outlook report . “Businesses have fared better than consumers in the post-pandemic inflationary environment,” noted BAI research director Mark Riddle...

Applying Automation to Improve Risk Management
Posted on August 26, 2024 by Baker Hill
Accenture reports that 77% of risk leaders across a variety of industries have raised concerns regarding the fact that operational and financial risks are emerging more rapidly than ever. In the case of credit risk, regulators have asked that banks...

Why It’s Time to Ditch Excel for Risk Management
Posted on July 29, 2024 by Baker Hill
Spreadsheet software like Excel is helpful for a multitude of use cases, especially in the world of finance. In fact, a recent study by Wolters Kluwer revealed that 85% of bank respondents report using spreadsheets and other manual processes to...

The Call for Effective Covenant Monitoring Has Never Been Louder
Posted on July 22, 2024 by Baker Hill
In the world of commercial lending, banks and borrowers are paying close attention to their financial covenants. And for good reason: covenants enforce minimum financial performance conditions on the borrower. These loan covenants are not a pre-decided set of principles...

Mitigating CRE Concentration Risk in 2024
Posted on July 15, 2024 by Baker Hill
According to a Federal Reserve Bank of St. Louis report , market sentiment about the CRE office sector declined sharply over the last two years, with the Bloomberg REIT office property index falling 52% from early 2022 through the third...

The Evolution of Risk Management: Is Your Culture Keeping Up?
Posted on June 28, 2024 by Baker Hill
Over the last several years, financial institutions have faced an incredibly volatile economy. According to the FDIC’s 2024 Risk Review , “market risks posed challenges for the banking industry in 2023 with higher interest rates, an inverted yield curve, declining...
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