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Executive Summary Concentration management is becoming a dynamic and data-driven process in the post-pandemic world. Community banks that have always managed their concentrations by simply throwing darts at a board will find themselves in the regulatory crosshairs if they don’t adapt to the new paradigm ...
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Concentration management is becoming a dynamic and data-driven process in the post-pandemic world. Community banks that have always managed their concentrations by simply throwing darts at a board will find themselves in the regulatory crosshairs if they don’t adapt to the new paradigm. More importantly, ...
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By Adam Mustafa, Invictus Group CEO Most community banks have barely gotten started down the CECL road as of mid-September 2021. The primary reason is simple. The individuals responsible for implementing CECL at your bank have bigger fires to fight right now. Whether it's responding ...
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Many community bankers and their boards are entering the post-pandemic world blindfolded. The pandemic had an uneven impact on industries within their geographic footprints, and there is no historical precedent for how recovery will take shape. Government intervention has propped up many small businesses, disguising ...
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The clock is starting to tick for community banks that must adopt the CECL standard by January 1, 2023. It’s mid-August and many banks still have not picked a software or consulting partner to assist them on this journey. Banks in this situation have no ...
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As community and regional bank mergers and acquisitions accelerate in the post-pandemic world, the advisory process “will require an altered approach,” argues bank consultant Joe Fenech in a blog post this week. Understanding a bank’s strategic planning process, as well as its opportunities and challenges, ...
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By Adam Mustafa, Invictus Group CEO The 2020 Pandemic marks the end of the post-2008 recovery business cycle for the banking industry and the economy as a whole. As we enter the post-pandemic economy, community banks across the country are struggling with how to project ...
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More banks are using the probability of default/loss given default (PD/LGD) model for CECL than any other methodology, according to the accounting firm BKD CPAs and Advisors. Firm partner Brandy Buckler wrote in a May 21 Bank Director article that approximately 60 percent of banks ...
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By Adam Mustafa, Invictus Group CEO Here’s a problem that’s rarely discussed, even though it’s happening frequently across the country: Community banks are maxing out their own lending limits for certain types of loans. When this happens, bank management must go to the board of ...
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By Adam Mustafa, Invictus Group CEO Say goodbye to the days in which concentration risk management was as simple as assigning an arbitrary limit to commercial real estate and construction loans and calling it a day. Concentration risk management is rapidly becoming a dynamic process ...
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