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

Posted by Brad Dahlman

Nov 5, 2018 11:00:00 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: CECL, banking, Credit Unions, banks, Risk Management, Financial performance, Football

CECL: Not all models are created equal…

Posted by Brad Dahlman

Jun 13, 2018 11:30:00 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: CECL, banking, Credit Unions, Risk Mitigation, Risk Management

The Timely Death of End-to-End

Posted by Gary Lewis

Feb 23, 2018 1:30:00 PM

 

The term end-to-end has been used by software vendors and bankers in recent years to describe loan origination systems. I heard this term no less than 30 times during a recent banking conference. I hereby announce today that the term is dead, or at least should be.

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Topics: Commercial Lending, Relationship Management, loan origination, Risk Management, predictive analytics, software

Reputational Risk: Better to Learn From Others

Posted by Susan Griffin

Dec 27, 2017 11:00:00 AM

“A brand is what a business does, reputation is what people remember.”  Ted Rubin, Social Marketing Strategist & Motivational Speaker

I love including quotes in my blogs as they are simple, to the point, and promote thought. I also remember my mother, another great philosopher, telling me “It’s better to learn from the mistakes of others.” It’s not to say that mistakes won’t be made. After all, we’re human and a mistake is bound to creep up every now and then. The same holds true with businesses. Businesses are owned and managed by humans.  

But there is a difference between “a mistake” and “bad behavior.” Both create problems, and how you deal with them can either help or hinder the predicament. The biggest distinguishing factor to resolution is one’s character or the culture of a business. It can either complicate the issue or lead to atonement. Unfortunately, whether a mistake or bad behavior, the latter is very hard to achieve and will always border on reputational risk.

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Topics: Risk Management

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