Latest Content

The Evolving Role of Management and Directors in a Post-Pandemic World

By Kamal Mustafa, Invictus Group Chairman 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 ...
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/ CEOs & Boards, Intel, Invictus Blog, M&A

10 Last-Minute Questions for 2023 CECL Banks to Ask Their Potential Vendor

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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/ CECL Trends, Intel, Invictus Blog

Strategic Analysis Should Surpass Investment Banking Ties in Bank M&A, Expert Says

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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/ CEOs & Boards, Intel, Invictus Blog, M&A

Pie Growth vs Market Share Wars: The Post-Pandemic Loan Growth Mystery

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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PD/LGD Emerges as Top CECL Methodology

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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How to Break Through the Concentration Limit Ceiling

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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/ Intel, Invictus Blog

The Business Case for Dynamic Concentration Risk Management

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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/ Intel, Invictus Blog

How the Pandemic Has Changed the Nature of Managing Concentrations

By Adam Mustafa, Invictus Group CEO If you still think of concentration risk management as only applicable to commercial real estate, you’re in for a rude awakening. The primary pandemic lesson for community banks is that they need to rethink how concentration risks are identified ...
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/ Intel, Invictus Blog

Integrating Critical Processes to Unlock Strategic Value from CECL

By Adam Mustafa, Invictus Group CEO Although the new accounting standard known as CECL is a requirement, bankers need to stop viewing it through that lens. CECL has many silver linings. It provides bank management with a motive to holistically re-think and invest in data ...
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/ CECL Trends, Intel, Invictus Blog

Caveat Emptor: The Pitfalls of a SaaS Approach to CECL

By Adam Mustafa, Invictus Group CEO Software can be wonderful. It can provide a spike in efficiency and automate a host of processes and problems that were previously solved manually in painstaking fashion. As a result, it is no surprise that many community banks have ...
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/ CECL Trends, Intel, Invictus Blog