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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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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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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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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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By Adam Mustafa, Invictus Group CEO FASB’s guidance for CECL is flexible when it comes to methodologies. In fact, many software-as-a-service (SaaS) providers and consultants make it a point to brag how their products can handle just about all of them. But let’s not confuse ...
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With the economic impact of the coronavirus still masked by relief efforts, community banks should act conservatively in 2021, making sure their banks have proper risk management processes in place to guard against additional fallout, regulators said Friday at the New Jersey Bankers Association Economic ...
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