TOPIC: Loans

Webinar: Running a Dynamic Asset/Liability Management Committee

Monday, November 18, 2019
2:00 PM ET / 1:00 PM CT

Today’s economic environment demands that asset/liability management (ALM) teams are identifying and acting on opportunities quickly. The old ways of ALM operations are much different in inverted or negative yield environments. Having a firm risk assessment and plan for future financial performance is the backbone of the Asset/Liability Management Committee’s (ALCO) role. It is the requirement for a robust process for measuring and managing relationships between risk and return.

The ALM process should not be limited to one that “checks the box” of meeting regulatory requirements. Financial institutions and ALCOs with a dynamic ALM process are able to inform good decision-making related to both strategy and risk.

Join this webinar to learn:
  • What it looks like to be a dynamic ALM-oriented institution today
  • How to make good decisions in different rate environments
  • How to integrate other decision-making models to determine the best loan terms, rates, and funding source
Register now:

    Credit Cards and rate changes after an acquisition

    VP at a bank ($1.1BUSA)
    I am very interested to learn from those that have acquired another institution that had credit cards how you handle those accounts. Specifically, if you were able to change the rate or if there were any 12 month requirements. For example, we are being told that we cannot change the rate on any cards that were opened less than 12 months ago. We have disclosed the new rate and terms 45 days prior to change, we issued new plastic, and now we are being told that on the accounts that are opened less than 12 months the rate must stay the same. I have read some articles that would agree with this but I am hoping that someone has an exception that I am missing for acquisitions. Is this even a scenario where this would apply since it's a new card, new card number, new account with our institution? 

      How Community Financial Institutions Can Effectively Implement Loan Origination Software | Webinar | Nov. 19

      Tuesday, November 19 | 2 p.m. ET / 1 p.m. CT
      Register now

      Community financial institutions operate in a world of increasing competition, increasing regulatory requirements, and changing customer expectations. Software and automation can help tackle these challenges. Join us for a free webinar to learn how loan origination software can drive efficiency and, ultimately, loan growth at your institution.

      Key takeaways:
      • Current market conditions and trends across the industry  
      • Ways financial institutions can make successful software transitions

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        Loan Training Scenarios

        Employee at a bank ($1.3BUSA)
        Would anyone have any front-line (Personal Banker) loan scenarios they have used to train their NMLS licensed bankers dig deeper into a customer relationship and become more confident in structuring the right loan deal for the customer?  TIA, Tom