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Brad Dahlman

Brad Dahlman is the Product Manager for the Relationship Profitability Management (RPM) application. In this role he provides product direction and directly overseas all aspects of product delivery. He often speaks to clients and prospects and those in the financial services community about the importance and uses for Relationship Profitability. The combination of his previous experiences helps him bring "real world" applications into the use of Relationship Profitability.

Recent Posts

Monday Night Football: It’s half-time for CECL

Posted by Brad Dahlman

Mon, Nov 05, 2018 @ 11:00 AM

 

Fall is my favorite time of year, as the weather cools, the leaves change, and the football season heats up! I enjoy watching NFL football, and am often struck by how the momentum of the game can dramatically change at half-time. To the fans, half-time is generally focused on grabbing a snack or watching highlights. To the players and coaches, this 12-minute half-time break is all about assessing the first half and adjusting the game plan to have a successful second half. Great coaches and leaders find a way to refocus the team, adjust the game plan, and emerge with a team ready to win the second half.

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Topics: Credit Unions, banking, banks, Football, Financial Performance, CECL, Risk Management

CECL: Not all models are created equal…

Posted by Brad Dahlman

Wed, Jun 13, 2018 @ 11:30 AM

A lot has been written about the new Current Expected Credit Loss (CECL) changes which will affect FIs in the coming years. This is one of the largest changes to FI financial reporting and credit risk management in decades and certainly warrants ongoing conversations.

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Topics: Credit Unions, banking, Risk Mitigation, CECL, Risk Management

Are You CECL Compliance Ready?

Posted by Brad Dahlman

Wed, Feb 28, 2018 @ 11:00 AM

CECL (Current Expected Credit Loss) is a fundamental change to how banks and credit unions will determine their loan loss reserve requirements. This change requires FIs to reserve for loans upon inception and adjust reserves monthly based on performance data coming from their loan systems and economic data coming from a forecast of various q-factors. This fundamental change will occur over the next several years.

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Topics: Regulatory Compliance, CECL

5 Things You Need to Know About CECL

Posted by Brad Dahlman

Wed, Oct 11, 2017 @ 04:00 PM

 

Current Expected Credit Loss (CECL) is far more than just a new Financial Accounting Standards Board (FASB) regulation to achieve regulatory compliance. The active credit management and integration of the potential credit losses to your financial institution (FI) is key to how you should be running your organization in the years to come. Taking a look at some simple tips can help to not only start the planning for CECL, but to then take your model results and implement them in your business. The CECL results you produce can be invaluable for your institution in order to stay competitive in the marketplace and increase the profitability of your organization.

Most financial institutions have some knowledge about the new CECL standards, however, many FIs still have questions about the requirements, what to expect, how to begin preparing, and the difference between various CECL models. Here is what you need to know about CECL...

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Topics: Financial Services Industry

Using Information to Effectively Engage With Clients

Posted by Brad Dahlman

Wed, Aug 10, 2016 @ 10:00 AM

How often do you go to your favorite restaurant or shop at your favorite store?

I personally visit Costco every week to pick up items for my family of five. This gives Costco 52 opportunities per year to “engage with me” at their store, for roughly 45 minutes each week. Now turning to banking; how many times a year do you engage with your clients?

In a recent FDIC report titled “Brick and Mortar Banking Remains Prevalent in an Increasingly Virtual World” and Brett King’s article “What the FDIC study on bank branches misses and it’s a massive hole”, there is a healthy discussion of this topic – how many times do clients visit your branch? 

While this key stat isn’t available for US banks, I was drawn to one chart from a UK bank. Spare Bank has tracked visits per year and from 1995 to 2016 the results are staggering – branch visits dropped from 24.5 visits per year to 1.3 visits per year. Put simply, clients visit their bank or credit union once or twice a year and their favorite store weekly!

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Topics: Profitability Management, Relationship Management

How to Fight a Decreasing NIM in Your Financial Institution

Posted by Brad Dahlman

Wed, Mar 18, 2015 @ 08:00 AM

 Author: Brad Dahlman, BDahlman@profitstars.com

The economic down turn of 2009 – 2012 is behind us.  We have started to see economic growth and increased loan demand, and charge-offs have returned to normal levels.  These are all positive trends for banks and credit unions.  The next big challenge bankers face is fighting the trend against margin compression.  For the banking industry over the past five years we have seen overall NIM decline by 19bp (3.02% - 2.83% - see Chart 1).

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Topics: Archive

How Many Branches are too Many?

Posted by Brad Dahlman

Wed, Feb 06, 2013 @ 08:40 AM

 Author: Brad Dahlman, bdahlman@profitstars.com

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Topics: Archive

Key Client Identification and Retention

Posted by Brad Dahlman

Wed, Jan 18, 2012 @ 06:26 AM

  Author: Brad Dahlman, bdahlman@profitstars.com

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Topics: Archive

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