Blog Posts in category: risk management

How to Empower Credit Analysts in Any Economic Environment

Credit analysts play a vital role within a financial institution, as they essentially act as the guardians of a bank or credit union’s balance sheet. To do this, they must be able to ascertain credit risk for new and existing...

Rising Debt Levels & Implications for Portfolio Risk

Total household debt rose by $16 billion to reach $17.06 trillion in the second quarter of 2023, according to the latest Quarterly Report on Household Debt and Credit from the Federal Reserve Bank of New York. Credit card balances...

Strategies for Community Bank Construction Lending

Community banks take on a large amount of risk when it comes to construction lending, especially in the current market as lenders, builders and developers are grappling with tightened credit conditions and rising interest rates. However, after the recent...

Riding the Credit Wave: Why Proactive Loan Portfolio Monitoring is Your Bank's Lifeline in the Rising Tide of Delinquencies

In the ever-evolving landscape of banking and credit unions, proactive loan portfolio management has emerged as a paramount factor. As financial institutions strive to strike a delicate balance between risk and reward, effective loan portfolio management becomes instrumental in maintaining...

Mastering the Art of Risk Management in Commercial Lending

In the world of commercial lending, risk management is not just a necessity—it's an art. Successful lenders understand that effective risk management goes beyond simply avoiding bad loans. It's about striking a balance between risk and reward to drive growth...

Fostering Collaboration Between Lending & Credit Teams

Streamlining your commercial lending processes is all about providing the prospective borrower with a decision and closing the deal as quickly as possible. However, traditional banks can often take more than a month to process and close a typical commercial...
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