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The 5 Cs of Credit Still Reign

Posted by Richard Owens

Aug 10, 2018 10:01:00 AM

In recent years, fintech-style lending has focused a lot of attention on the concept of automated approval of smaller commercial loan requests. While it may seem as though lenders have moved away from the traditional “Five Cs” of credit toward a more digital path, they still reign supreme in the modern age of fintech.

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Topics: Relationship Management, Commercial Lending, Customer Experience, fintech, banking, technology, credit

That Pesky Doorbell

Posted by Tammy Bangs

Aug 8, 2018 11:00:00 AM

The other day, my doorbell rang. I work from home and take several conference calls every day – so when the doorbell rings (pardon me), all hell breaks loose. The dogs go bonkers. My child’s home on summer break. There’s yelling. If I’m on the phone, I have to scramble to mute myself, sequester the dogs, and try to contain the chaos.

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Topics: Relationship Management, small business, third-party vendors, banking, financial institution, sales, relationships, partnership

Servicing the Healthcare Market

Posted by Lynn Moore

Aug 1, 2018 11:00:00 AM

 

So, your financial institution (FI) wants to service the healthcare market? Here’s what you need to know ...

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Topics: banking, financial institution, business management, healthcare

A Scout's Guide to Commercial Lending

Posted by Gary Lewis

Jul 27, 2018 10:30:00 AM

 

 

Anyone who has spent time with Boy Scouts knows the scout slogan, “Do a good turn daily,” as well as their motto, “Be prepared.” There could not be two more appropriate phrases to guide commercial lenders – it’s the essence of everything they do during their careers. Like Scouts, commercial lenders are passionate about serving the needs of the businesses in their local communities. They also operate in an environment that carries the risk of financial loss, so they must be trained and prepared for any circumstances they may encounter on the trail.

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Topics: Relationship Management, Commercial Lending, Customer Experience, fintech, banking, technology

Be a FinTech Contributor

Posted by Danny Payne

Jul 19, 2018 11:00:00 AM

I truly enjoy industry publications, posts (like this one), and participating in financial technology conferences. I actually wrote a “Strategically Speaking” post titled, The Value in FinTech Conferences, about the true value of participating in, and not just attending industry events. It’s great to sit out in the crowd, listen, learn, absorb, and move on. Isn’t that what most of us do? We get excited, agree with the points the speaker or panel are making, and go back to do the same thing we always did. 

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Topics: Financial Services Industry, Credit Unions, fintech, banking, financial institution

Consider a GPS for Your Commercial Loan Portfolio

Posted by Patrick True

Jul 13, 2018 10:15:00 AM

 

Anyone who has spent time travelling or hiking sometime over the last ten years has witnessed an impressive increase in the use of global positioning systems (GPS). These devices and phone apps have become invaluable to folks who spend a lot of time moving from one place to another. The concept of GPS has also worked its way into other automated systems.

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Topics: Relationship Management, Commercial Lending, Customer Experience, fintech, banking, technology, user experience

Big Business in Small-Dollars

Posted by Mark Messick

Jul 11, 2018 11:00:00 AM

 

Perhaps you saw the bulletin issued recently by the OCC encouraging financial institutions to make small-dollar, short-term, consumer loans.  I did and for me it points to a big hole in the traditional lending net that needs to be mended (and not by credit card offers).  While our topic today doesn’t deal with consumer lending outright, the bulletin reminded me of three great reasons why today’s financial institutions should consider offering small-dollar loans to businesses.

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Topics: Financial Services Industry, Commercial Lending, Loan Pricing, Small Business Market, Credit Unions, small business, banking, financial institution, loans, consumer

The Impact of the New Reg CC Indemnity on RDC Services

Posted by Kevin Moland

Jul 3, 2018 11:00:00 AM

 

As of July 1, Reg CC will provide a new indemnity designed to protect financial institutions (FIs) that receive malicious duplicate presentment of paper items previously deposited at another bank or credit union via remote deposit capture (RDC). If your FI is the initial recipient of an item deposited via traditional commercial RDC or consumer mobile RDC (mRDC), should that same paper item later be presented for deposit at another FI, and should that FI sustain a loss due to the item already being paid, you must make the other FI whole, including reimbursement of reasonable expenses for collection.

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Topics: Mobile Banking, Regulatory Compliance, Credit Unions, banking, RDC

Mobile Services--Not Just for Borrowers Anymore

Posted by Patrick True

Jun 29, 2018 12:02:00 PM

Commercial lending officers have witnessed mobile banking changing the landscape of general banking services in the last five years. In a recent study, CitiBank estimated a 25% increase in use of mobile banking during 2017. Each year, more clients request greater access to both informational and transactional services through their phones and tablets.

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Topics: Relationship Management, Commercial Lending, Customer Experience, Mobile Banking, fintech, banking, technology, user experience

Three Ways Financial Services Leaders Can Improve Talent Management

Posted by Strategically Speaking

Jun 27, 2018 11:00:00 AM

Talent management is one of the most important elements in driving a healthy financial services industry.  Because banking is no longer viewed as one of the most “attractive” industries, financial service organizations are now competing both inside and outside of the industry when recruiting employees.

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Topics: Financial Services Industry, talent acquisition, banking, financial institution

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