TOPIC: Financial Analysis

Free Webinar: CU Best Practices for Credit Analysts

Register today!

Current economic conditions seem to suggest that the next U.S economic downturn is on the horizon. With that in mind, it is becoming increasingly important to have the right credit policies and procedures in place to ensure your credit union understands its members throughout the lending process.

Join this webinar session to learn common best practices for credit analysts when dealing with current and future market conditions.

Join to Learn:  
  • Best practices for loan and financial statement analysis 
  • How to identify problem loans and the benefits of early detection 
  • Way to optimize deal flow 
Tuesday, September 10, 2019
2:00 PM ET / 1:00 PM CT
Ancin Cooley, Principal with Synergy Credit Union Consulting, Inc.

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    Free Webinar Thursday: Loan Grading - A to Z

    Thursday, August 15 - 2 p.m. EST/ 1 p.m. CST

    Can your financial institution survive the next economic downturn? The recent financial crisis demonstrated how unexpected economic downturns and rapid deterioration in market conditions can significantly harm a bank’s financial condition and economic viability.

    Join us for a free webinar to learn how to create a consistent and objective based risk scoring model that still allows for subjective adjustments. We will highlight the significance of leveraging a dual loan grading and underwriting system to monitor your loan portfolio. Our expert will provide practical advice on incorporating the 5 C’s into your loan grade and how to select an appropriate loan grading scale for your institution.

    You Will Learn:
    • Regulatory examiners expectations
    • Loan grading scales & dual loan grading systems
    • Financial statement analysis
    Save your seat!

      Small Commercial Loans

      Director at a Company (USA)
           Would anyone be willing to share how "small" commercial loans are underwritten at their bank?  Do you have a streamlined presentation and approval process?  Do you use a scoring model, either purchased or developed in-house? Thanks! 

           Originally Posted by Chris Olney, Senior Vice President / Chief Credit Officer of North Valley Bank, on 23 May 2019 to CBANC FI Professionals Community.


        Director at a Company (USA)
             I am curious as to how many banks are actually building their own models for implementing CECL and how many are purchasing software to help with the process?

             Originally posted by an anonymous author with the title AVP Regulatory Compliance and Legal on 10 Apr 2018 to CBANC FI Professionals Community.

          Guardian Analytics

          Manager at a bank ($488MUSA)
          Do any of you also use Guardian Analytics for Business Online & ACH anomaly detection? We're in the early stages of implementation and data gathering, but I was hoping some more seasoned users would be willing to share their daily process and what you look for/review. Thanks in advance!

            Abrigo Acquires Farin Financial Risk Management

            Abrigo, a leading technology provider of compliance, credit risk, and lending software, has acquired Farin Financial Risk Management (FARIN), an industry trendsetter in asset liability management software and advisory services.

            FARIN offers services and solutions that are essential for financial institutions in determining interest rate and liquidity risk exposures. Learn more about how Abrigo, now with the added power of FARIN, is making big things happen for community financial institutions.

            Read more:

              2019 CECL Survey - Chance to win a $300 Yeti cooler!

              Each year MST, now Abrigo, has been implementing an allowance survey. This year we’re asking about your progress in the CECL transition, how you are preparing and what you are determining in terms of how CECL will impact your institution. As always, we’ll compile answers and share the results so you can compare what you are doing with your peers. We encourage you to participate. As a token of our appreciation, you will have the chance to win a $300 Yeti cooler or a Bluetooth speaker.

              We wish you a productive and profitable 2019!

              Take the survey:

                Having trouble keeping up with all these CECL updates?

                CECL is in the news a LOT now that we're less than a year out from the transition. Robert Ashbaugh and Chris Emery are making sure your financial institution understands all of the recent changes and the ways that those changes and proposals might affect your institution's CECL implementation. Tune in for our free webinar in two weeks -- get registered here:


                  Webinar: Interpreting CECL Modeling Results

                  For those who are currently building out their CECL models, did your results not match your expectations? Are you confused on what to do next?

                  Join us on Monday, December 10th from 1:30-2:30 p.m. ET. for an interactive walkthrough of common modeling problems and questions. Common questions include:

                  • What happens if I don’t have enough loan-level historical data?
                  • What do I do if my results are zero?
                  • Are there shortcuts for anticipating when certain approaches won’t work before building models to test?

                  Sageworks risk management consultants Brandon Quinones and Danny Sharman will answer these questions and discuss how results can be interpreted and pivoted to other approaches that may provide more transparent outcomes.

                  Register now: