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  • Compliance & Regulation, Economy & Markets, Fraud, Risk
Q&A: Iran, Escalation Risk, and the Case for Scenario Planning
Q&A: Iran, Escalation Risk, and the Case for Scenario Planning
The Israel-Iran conflict is just one example of how fast-moving geopolitical events can ripple through the financial system. In this…
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  • Risk
Ardmore Sponsored Webcast: Contain Credit Uncertainty with Stress Testing Practices
Ardmore Sponsored Webcast: Contain Credit Uncertainty with Stress Testing Practices
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Why It Pays To Suggest a Turnaround Consultant Early
Why It Pays To Suggest a Turnaround Consultant Early
Turnaround consultants aren’t just for borrowers in bankruptcy. As Ken Yager and Jason Alpert explain in a new RMA Journal…
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  • Compliance & Regulation, Growth & Innovation, Risk
Helping Borrowers Help Themselves: The Case for Turnaround Consultants
Helping Borrowers Help Themselves: The Case for Turnaround Consultants
With recession fears rising and economic volatility high, now is a good time for banks to revisit the tools available…
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Credit Trends in Commercial Lending – Credit Risk Navigator – April 2025
Credit Trends in Commercial Lending – Credit Risk Navigator – April 2025
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  • Growth & Innovation, Risk
Structuring Loans for Solar-Equipped CRE: What To Ask Up Front
Structuring Loans for Solar-Equipped CRE: What To Ask Up Front
Solar panels can complicate commercial real estate deals—and raise tough questions about collateral, cash flow, and ownership. Veteran credit analyst…
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  • Compliance & Regulation, Risk
Why Moody’s Downgraded U.S. Debt —and Why Banks Should Care
Why Moody’s Downgraded U.S. Debt —and Why Banks Should Care
Moody’s recent downgrade of U.S. debt wasn’t just a symbolic move—it flagged deep structural issues that could ripple through the…
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Making Sense of Solar in CRE Lending
Making Sense of Solar in CRE Lending
Forum Focus offers practical insights drawn from real-world questions in the ProSight Member Forum, a safe space for financial institution…
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  • Growth & Innovation, Risk
Ashes to Assets: The Pet Crematorium Deal That Paid Off
Ashes to Assets: The Pet Crematorium Deal That Paid Off
Cleared for Lending showcases unexpected and unconventional lending success stories—deals that didn’t fit the mold but found a way through….
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  • Economy & Markets, Risk
Tariff Truce Offers Relief—but Not a Return to Normal
Tariff Truce Offers Relief—but Not a Return to Normal
The recent U.S.-China tariff pause eased recession fears and sparked a market rally—but for banks and their borrowers, the road…
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  • Compliance & Regulation, Economy & Markets, Risk
Risk Update: Economists Discuss Recent Developments And Their Implications for Banks
Risk Update: Economists Discuss Recent Developments And Their Implications for Banks
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  • Compliance & Regulation, Economy & Markets, Fraud, Growth & Innovation, Risk, Talent & Workforce
ProSight Risk Watch: Notes and Resources on Today’s Top and Emerging Risks
ProSight Risk Watch: Notes and Resources on Today’s Top and Emerging Risks
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  • Risk, Talent & Workforce
How To Build a Strong Workout Team—Before Workloads Grow Further
How To Build a Strong Workout Team—Before Workloads Grow Further
Don’t wait for problem loans to pile up—build your workout bench now. As banks prepare for a potential rise in…
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  • Growth & Innovation, Risk
Ask the Workout Window: A Federally Funded Borrower Is Slipping—Now What?
Ask the Workout Window: A Federally Funded Borrower Is Slipping—Now What?
When a borrower depends heavily on federal funding, even small delays can trigger big problems. In this edition of Ask…
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Credit Trends in Commercial Lending – Credit Risk Navigator – March 2025
Credit Trends in Commercial Lending – Credit Risk Navigator – March 2025
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What Rising Treasury Yields Mean for Bank Risk—and Opportunity
What Rising Treasury Yields Mean for Bank Risk—and Opportunity
Market volatility isn’t just rattling equity investors—U.S. Treasuries, traditionally considered a safe haven, are in the spotlight too, and it’s…
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New Stress Points in CRE
New Stress Points in CRE
Loan quality in the struggling office real estate sector seemed to further erode in the first quarter, while signs of…
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  • Economy & Markets, Risk
An Economic Update for Banks: A Q&A With Moody’s Chief Economist Mark Zandi
An Economic Update for Banks: A Q&A With Moody’s Chief Economist Mark Zandi
With his keynote session at the ProSight Governance, Compliance, and Operational Resiliency (GCOR) Virtual Conference approaching, Moody’s Analytics Chief Economist…
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  • Economy & Markets, Growth & Innovation, Risk
From Tariffs: Tighter Credit, Slower Growth, and a New Normal
From Tariffs: Tighter Credit, Slower Growth, and a New Normal
As banks scramble to determine how tariffs could affect the creditworthiness of individual business borrowers, their potential to weigh down…
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  • Economy & Markets, Risk
How To Spot and Manage Tariff Risk in Your Loan Book
How To Spot and Manage Tariff Risk in Your Loan Book
With tariffs threatening to hurt many business bottom lines, two credit risk pros say in a new RMA Journal article…
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  • Economy & Markets, Risk
Tips on Managing Tariff Risk in Your Lending Portfolio
Tips on Managing Tariff Risk in Your Lending Portfolio
With broad-based and substantial tariffs very much in play, RMA is creating resources to help members understand and address the…
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  • Economy & Markets, Risk
Bank Risk in the Era of Tariffs
Bank Risk in the Era of Tariffs
Even with President Trump temporarily limiting tariffs yesterday, banks need to be ready for a new world where tariffs have…
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  • Economy & Markets, Risk
Tariffs, Turbulence, and the Road Ahead for Banks
Tariffs, Turbulence, and the Road Ahead for Banks
As uncertainty abounds regarding tariffs, U.S. federal spending, policy, and inflation, the RMA Journal reached out to a panel of…
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Why Multifamily CRE Risk Is Rising
Why Multifamily CRE Risk Is Rising
Despite all the attention on struggling office properties, banks shouldn’t overlook mounting stress in another CRE sector: multifamily. Distress levels…
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Q&A: The Rising Stresses in the CRE Market
Q&A: The Rising Stresses in the CRE Market
While headlines around commercial real estate have largely focused on the troubled office sector, broader data shows a more complicated…
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  • Compliance & Regulation, Growth & Innovation, Risk
Assessing the Landscape for Community Bank M&A
Assessing the Landscape for Community Bank M&A
With a lighter regulatory touch expected under a new presidential administration, many industry watchers expected an uptick in bank M&A…
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  • Risk, Talent & Workforce
Identifying Troubled Loans Early: Five Practical Reads for Banks
Identifying Troubled Loans Early: Five Practical Reads for Banks
Consumers and businesses are showing new signs of caution. In delaying purchases, avoiding new debt, and conserving cash, they could…
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  • Growth & Innovation, Risk
Lending to Nonprofits in Uncertain Times
Lending to Nonprofits in Uncertain Times
With potential cutbacks in federal spending and shifting donation patterns, banks that work with nonprofit borrowers should take a proactive…
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  • Growth & Innovation, Risk
Seven Tips for Nonprofit Banking in Uncertain Times
Seven Tips for Nonprofit Banking in Uncertain Times
By their very nature, nonprofit borrowers often pose more credit risk than for-profit operations. Those credits could be getting even…
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Five Steps To Resolving Problem Loans
Five Steps To Resolving Problem Loans
With household debt rising and concerns about the economy growing in some quarters, identifying and addressing problem loans early can…
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Credit Trends in Commercial Lending – Credit Risk Navigator – January 2025
Credit Trends in Commercial Lending – Credit Risk Navigator – January 2025
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Storage Gets Smarter—But Is It Getting Riskier?
Storage Gets Smarter—But Is It Getting Riskier?
The warehousing and storage industry plays a vital role in the supply chain, but financial pressures—including rising costs, automation investments,…
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Beyond Storage: How Automation, Competition, and Costs Are Reshaping Warehousing
Beyond Storage: How Automation, Competition, and Costs Are Reshaping Warehousing
The warehousing and storage services industry plays a critical role in the modern supply chain, handling goods across a wide…
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  • Compliance & Regulation, Fraud, Growth & Innovation, Risk, Talent & Workforce
Key Takeaways on Risk in 2025, Straight From the CROs
Key Takeaways on Risk in 2025, Straight From the CROs
As banks begin the year, risk leaders are contending with a mix of persistent financial risks, escalating cyber threats, and…
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  • Economy & Markets, Risk
What Banks Should Watch Amid Tariff Volatility
What Banks Should Watch Amid Tariff Volatility
The first 48 hours of this week were a whirlwind for global trade policy. The U.S. abruptly paused planned tariffs…
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Credit Trends in Commercial Lending – Credit Risk Navigator – December 2024
Credit Trends in Commercial Lending – Credit Risk Navigator – December 2024
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  • Compliance & Regulation, Risk
Large Banks Enter 2025 on a High Note
Large Banks Enter 2025 on a High Note
Large banks reported robust fourth-quarter 2024 earnings last week, benefiting from a resurgence in dealmaking, favorable market conditions, and a…
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  • Growth & Innovation, Risk
How To Craft Loan Covenants That Balance Risk and Flexibility
How To Craft Loan Covenants That Balance Risk and Flexibility
Loan covenants are crucial tools in managing credit risk. They set expectations between a borrower and a bank, helping identify…
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  • Compliance & Regulation, Risk
What Rising Bond Yields Mean for Banks
What Rising Bond Yields Mean for Banks
The bond market is signaling heightened concerns about inflation, the economy, and the Federal Reserve’s next moves, as bond yields…
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  • Risk
When Brewery Loans Go Flat
When Brewery Loans Go Flat
The craft beer industry, once a hallmark of entrepreneurial success, is now grappling with an era of closures and consolidation….
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Ask the Workout Window: The Microbrewery Glut ‘Ales’ a Lender
Ask the Workout Window: The Microbrewery Glut ‘Ales’ a Lender
In his latest Ask the Workout Window column for the RMA Journal, veteran workout leader Jason Alpert tackles the question…
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  • Compliance & Regulation, Growth & Innovation, Risk, Talent & Workforce
A Loan Covenants Primer for Lenders
A Loan Covenants Primer for Lenders
Covenants are loan agreements between a borrower and a bank that communicate the bank’s expectations during their borrowing relationship. Borrowers,…
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  • Compliance & Regulation, Growth & Innovation, Risk
Core Concepts: Funding a Company and Capital Structure
Core Concepts: Funding a Company and Capital Structure
Lending to companies is a cornerstone of banks’ business. Borrowing from banks is just one way, though, that companies fund…
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  • Compliance & Regulation, Economy & Markets, Fraud, Risk
2024 Rewind: Your Top Bank Risk Reads of the Year
2024 Rewind: Your Top Bank Risk Reads of the Year
As we close out 2024, we’re taking a moment to look back at the articles that captured your attention month…
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Credit Trends in Commercial Lending – Credit Risk Navigator – October 2024
Credit Trends in Commercial Lending – Credit Risk Navigator – October 2024
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  • Compliance & Regulation, Risk
Ask the Workout Window: Bankruptcy Complexities Galore
Ask the Workout Window: Bankruptcy Complexities Galore
In each issue of The RMA Journal, veteran workout leader Jason Alpert gives advice on thorny workout challenges. Have a…
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Kicking the Tires: Risks and Opportunities in Lending to Used Car Dealers
Kicking the Tires: Risks and Opportunities in Lending to Used Car Dealers
Not long ago, the pandemic and supply chain shortages caused major disruptions in the new and used vehicle markets. When…
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  • Compliance & Regulation, Economy & Markets, Fraud, Growth & Innovation, Risk, Talent & Workforce
January 2025 RMA Risk Watch: Notes and Resources on Today’s Top and Emerging Risks
January 2025 RMA Risk Watch: Notes and Resources on Today’s Top and Emerging Risks
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  • Compliance & Regulation, Economy & Markets, Fraud, Growth & Innovation, Risk
Rising to the Risks of a Changed Industry: Seven Themes From the 2025 RMA CRO Outlook Survey
Rising to the Risks of a Changed Industry: Seven Themes From the 2025 RMA CRO Outlook Survey
This report is based on the 2025 RMA CRO Outlook Survey, which was conducted in the summer of 2024 and…
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  • Growth & Innovation, Risk
Ask the Workout Window: From Multifamily to Multiproblems—Handling a Troubled Loan
Ask the Workout Window: From Multifamily to Multiproblems—Handling a Troubled Loan
In each issue of The RMA Journal, veteran workout leader Jason Alpert gives advice on thorny workout challenges….