JHA_HeaderImage_Blog_v2.png

Integrated Portfolio Management Strategies Allow Credit ACE to Shine

Posted by Patrick True

Nov 17, 2017 11:00:00 AM

The rise of integrated portfolio management systems will have a significant impact on credit officers’ ability to evaluate the condition of their commercial portfolios and take quick action when needed. Throughout the years, we have discussed the Credit ACE formula associated with commercial loan management functions.

Read More

Topics: Commercial Lending

5 Emerging Game Changers in Commercial Credit Risk Management

Posted by Patrick True

Nov 8, 2017 7:00:00 AM

As the financial services industry enters 2018, technological advancements within the sector are beginning to have a significant impact on the way credit risk managers, from chief credit officers to front line lenders, handle their responsibilities. Five emerging trends are likely to reshape the business of commercial lending in the months and years ahead. Many of you are likely already seeing some of these changes in your institutions. The business of commercial lending is in the midst of a renaissance that has the ability to significantly enhance communication between lenders, their clients, and their prospective clients.

Read More

Topics: Risk Mitigation, Commercial Lending

The Next Wave of FinTech: Portfolio Management

Posted by Mark Messick

Nov 3, 2017 11:00:00 AM

While the majority of the financial technology focus in recent years has been on loan origination systems and automated decision tools, portfolio management is the real key to long-term success in commercial lending. Just ask lenders how many bad loans they’ve made during their career. The large majority will tell you that each time a loan was made, the financial institution had every reason to believe it was a good deal. The loans were within policy and conditions at the time called for approval and funding. When loans stop performing, it is almost always because circumstances have changed. From macroeconomic factors to poor business management to other direct influencers, loans can deteriorate for any number of reasons. That’s why the next significant area of fintech development will be in portfolio management, rather than the pre-funding processes.

Read More

Topics: Commercial Lending

Capturing the Emerging Businesses Market by Achieving 0 to 60 with Record Results

Posted by Renee Weatherby

Oct 20, 2017 11:30:00 AM

Providing loans to young and emerging small businesses should be considered “mission critical” for any community-based financial institution hoping to grow its loan portfolio. According to the recently released report on startup firms by the Federal Reserve, 20% of all employer firms in the U.S. have been in business for less than 2 years while another 14% have been around for 3 – 5 years. That is about a third of all employer firms. Additionally, more than half of these firms sought financing in 2016.

Here are a few other key business metrics from the report:

Read More

Topics: Commercial Lending

It's Time to RATE the Effectiveness of Your Small Business Lending Process

Posted by Renee Weatherby

Oct 6, 2017 11:00:00 AM

Of the $1.9 trillion dollars in commercial and industrial loans held by FDIC insured institutions today, approximately $296 billion (15%) are smaller than $100k. Small financial institutions have been taking a hard look at how to deliver these loans in a manner that is beneficial to business owners while also taking their own operating costs into account. Since the early 1990s, larger financial institutions have worked to develop scoring models to help increase efficiency and profitability within this segment of the market. Smaller institutions, placing an emphasis on local decision processes and strong ties to the business owner, rarely pursued these techniques. It is clear that small loans to this sector are a challenge to the overhead of the underwriting institution.

Read More

Topics: Commercial Lending

Real Face Time: Conferences Deliver What Devices Can’t

Posted by Susan Griffin

Sep 22, 2017 11:30:00 AM

In our busy digital world, we often forget the importance of being in a live setting and networking with others from the financial services community. In fact, the benefit you get from attending industry conferences might be just what you need to discover new ways to motivate your business and promote growth in your financial institution.

Read More

Topics: Commercial Lending

Surviving the 'Wheel of Death' – 5 Critical Steps for Crafting a Data Integration Strategy

Posted by Gary Lewis

Sep 8, 2017 11:00:00 AM

Earlier this year, one of the smartest bankers I know suddenly reached the end of his rope. In an attempt to bring order to the chaos of managing data silos within his financial institution, he drew a schematic of all the systems that, at one point or another, tied into his core. The end result was so confusing that he named it “the wheel of death.” 

While admittedly comical, this story sheds light on one of the most significant and serious questions financial institutions face today. How can lenders leverage data in a meaningful way to create efficiencies, influence revenue, and enhance customer service? There is a strong sense in lending that financial institutions have access to all the data they need, they just need a strategy to mine it. But the key to access is effective data integration.

Read More

Topics: Commercial Lending

The Next Wave of Fintech: Software as a Strategy

Posted by Patrick True

Aug 25, 2017 11:00:00 AM

Industry observers estimate that there have been as many as 4,000 fintech start-ups since 2010 in the U.S. and the UK alone. These companies reside in all sectors of financial technology, from lending to payments and beyond. This surge in development has generated a lot of excitement in both the retail and the commercial space. It has also triggered a new wave of discussions in the area of vendor management practices, where regulators are starting to focus their attention. No doubt, your financial institution has considered utilizing new third party software for many different functions in the past two to three years. But the market is now evolving beyond software.

Read More

Topics: Commercial Lending

Loan Origination is No Longer Enough

Posted by Mark Messick

Aug 11, 2017 11:00:00 AM

The world of commercial loan origination is changing rapidly. A by-product of billions of dollars in worldwide technological investment since 2010 is the creation of better lending platforms for community-centered financial institutions.

In the beginning, lenders might have been satisfied with a simple loan origination system (LOS), but by 2017 it’s clear that a basic LOS no longer allows you to be competitive. Today’s world requires systems that talk to each other with ease. It requires strong tools to manage workflows and pipelines while helping generate increased loan volume.

Read More

Topics: Commercial Lending

Top 5 Commercial Lending Posts of 2017

Posted by Strategically Speaking

Jul 28, 2017 11:00:00 AM

As summer draws to a close, many of us are grabbing a last reprieve from the office grind to unwind, recharge, and perhaps even catch up on our reading. If you like to seek out new ideas in your downtime, then consider this short list of the most popular commercial lending blog posts from Strategically Thinking so far in 2017.

Read More

Topics: Commercial Lending

Subscribe to Email Updates

Untitled Document Untitled Document

Recent Posts