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Credit Risk

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  • Growth & Innovation, Risk, Talent & Workforce
Q&A: Protecting Your Bank From Troubled Loans
Q&A: Protecting Your Bank From Troubled Loans
With economic uncertainty persisting, banks are paying closer attention to early indicators of financial stress in their loan portfolios. Detecting…
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Credit Trends in Commercial Lending – Credit Risk Navigator – September 2024
Credit Trends in Commercial Lending – Credit Risk Navigator – September 2024
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How Banks Can Address a Risky Insurance Market
How Banks Can Address a Risky Insurance Market
With premiums rising and insurance becoming harder to secure, today’s volatile insurance market poses serious risks to banks and borrowers…
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  • Compliance & Regulation, Economy & Markets, Risk
How the Harris-Trump Election Result Could Affect Banks
How the Harris-Trump Election Result Could Affect Banks
As election day approaches in a presidential race that, at least in terms of polling, is one of the closest…
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Perspectives: New Contamination Rate Data Could Help Banks Better Assess Environmental Risk
Perspectives: New Contamination Rate Data Could Help Banks Better Assess Environmental Risk
A “wall” of maturing commercial real estate (CRE) loans is approaching amid tumultuous conditions for office properties and other property…
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Bank Earnings Fuel Optimism, Caution
Bank Earnings Fuel Optimism, Caution
As large U.S. banks report their third-quarter earnings for 2024, financial markets have responded with optimism, pushing the S&P 500…
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  • Compliance & Regulation, Risk
Will This Plane Ever Land?
Will This Plane Ever Land?
In recent months, the conversation around potential “hard landings” and “soft landings” for the U.S. economy has dominated financial markets….
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  • Compliance & Regulation, Risk
Q&A: How Banks Can Stay Ahead of CRA Rule Changes
Q&A: How Banks Can Stay Ahead of CRA Rule Changes
The recent overhaul of the Community Reinvestment Act (CRA) presents banks with new compliance challenges, particularly in how they manage…
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  • Compliance & Regulation, Growth & Innovation, Risk
How Banks Can Help Communities Rebuild
How Banks Can Help Communities Rebuild
Hurricane Helene left a path of destruction across the Southeastern U.S., causing more than 150 deaths, with several hundred more…
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  • Compliance & Regulation, Risk
Additional Considerations for Structuring Owner-Occupied CRE Loans, Including SBA Credits (Part II of II)
Additional Considerations for Structuring Owner-Occupied CRE Loans, Including SBA Credits (Part II of II)
For C&I lenders, familiarity with SBA 504 and 7(a) CRE loans is crucial in recognizing additional ways to meet borrower…
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  • Compliance & Regulation, Risk
Party Like It’s … 1995?
Party Like It’s … 1995?
Do you think Ross and Rachel are finally going to get together? And what’s the deal with Beanie Babies? Excuse…
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  • Compliance & Regulation, Risk
Q&A: How Banks Are Adapting to Heightened Insurance Tracking Demands
Q&A: How Banks Are Adapting to Heightened Insurance Tracking Demands
As insurance becomes more expensive and harder to secure, the importance of robust insurance tracking has never been greater. Banks…
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  • Compliance & Regulation, Risk
Basel III and Its Potential Effect on Operational Risk Management
Basel III and Its Potential Effect on Operational Risk Management
The sweeping changes described in the Basel III Endgame proposal raised many questions within banking circles when they first were…
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  • Compliance & Regulation, Risk
Three Ways Banks Can Address the Risks of Unaffordable and Unavailable Insurance
Three Ways Banks Can Address the Risks of Unaffordable and Unavailable Insurance
Whether it’s shockingly higher premiums or difficulty finding coverage at all, businesses and homeowners everywhere are affected by today’s unforgiving…
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  • Compliance & Regulation, Risk
As Fed Funds Cut Looms, Is the Yield Curve Telling Us Something?
As Fed Funds Cut Looms, Is the Yield Curve Telling Us Something?
For over two years, we’ve been hearing that the inverted yield curve—where short-term interest rates exceed long-term ones—was an ominous…
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With Hurricane Season at Its Peak, How Prepared Is Your Bank?
With Hurricane Season at Its Peak, How Prepared Is Your Bank?
There’s been a lot going on recently, so you are forgiven if you missed the peak of the 2024 Atlantic…
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Mission Impossible: Restructuring & Workout of Non-Profit Borrowers
Mission Impossible: Restructuring & Workout of Non-Profit Borrowers
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  • Compliance & Regulation, Risk
Q&A: Challenges and Strategies in Nonprofit Lending 
Q&A: Challenges and Strategies in Nonprofit Lending 
Navigating the complexities of lending to nonprofit organizations requires a nuanced understanding of the unique credit risks these entities present….
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Credit Trends in Commercial Lending – Credit Risk Navigator – July
Credit Trends in Commercial Lending – Credit Risk Navigator – July
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  • Compliance & Regulation, Risk
Examining the Potential Risks in Lending to Insurance Agencies and Brokers
Examining the Potential Risks in Lending to Insurance Agencies and Brokers
The insurance market is in turmoil as inflation, climate risk, and rising reinsurance costs drive up prices across the board….
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  • Compliance & Regulation, Risk
The High Stakes of Cannabis Banking
The High Stakes of Cannabis Banking
The U.S. Drug Enforcement Agency’s (DEA) recent proposal to reclassify cannabis from a Schedule I to a Schedule III drug…
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  • Compliance & Regulation, Economy & Markets, Risk
Time for the Fed to Step Up, What the Election Won’t Affect, and More Takes From the Top Moody’s Economist
Time for the Fed to Step Up, What the Election Won’t Affect, and More Takes From the Top Moody’s Economist
Wild Wall Street volatility. An election between candidates with dramatically different visions for the U.S. Rocky real estate markets and…
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What Current Economic Jitters Mean for Banks
What Current Economic Jitters Mean for Banks
So much for August being a slow news month: Recent economic developments have everyone on high alert and thrown the…
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  • Economy & Markets, Risk
What’s Driving Olympic-Sized Market Volatility?
What’s Driving Olympic-Sized Market Volatility?
Surprisingly, the Paris Olympics has a stiff competitor in the excitement department this week: the U.S. economy and markets. Investors…
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Ask the Workout Window: When Environmental Risk Surfaces
Ask the Workout Window: When Environmental Risk Surfaces
QUESTION: Our bank is prudent about conducting appropriate inquiries and risk-based environmental diligence when making loans. But as we considered…
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  • Compliance & Regulation, Risk
For Banks, Marijuana’s Reclassification Could Clear a Path to Lending
For Banks, Marijuana’s Reclassification Could Clear a Path to Lending
In May the U.S. Drug Enforcement Agency began a process to reclassify cannabis from a Schedule I to a Schedule…
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Regional Banks Bet on a Rate Cut
Regional Banks Bet on a Rate Cut
Do you remember a year ago, when selling bonds at a loss could be seen as a sign of deep…
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Credit Trends in Commercial Lending – Credit Risk Navigator – June
Credit Trends in Commercial Lending – Credit Risk Navigator – June
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  • Compliance & Regulation, Risk
Banks’ Earnings Reflect Strain of Rising Costs
Banks’ Earnings Reflect Strain of Rising Costs
Ah, mid-July—barbecues, beach vacations, and, of course, big bank earnings. As the second-quarter results roll in, big banks are revealing…
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  • Compliance & Regulation, Risk
FAIR Plans: An Imperfect Insurance Safety Net
FAIR Plans: An Imperfect Insurance Safety Net
As private insurers retreat from some property and casualty markets, state-mandated FAIR (Fair Access to Insurance Requirements) plans are a…
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  • Compliance & Regulation, Risk
Regulator Focus on Insurance Woes May Help Credit Risk Management
Regulator Focus on Insurance Woes May Help Credit Risk Management
More private insurers are pulling coverage and withdrawing from property and casualty markets they deem high risk, presenting the banking…
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  • Compliance & Regulation, Risk
Ask the Workout Window: Facing the Five D’s of Financial Distress
Ask the Workout Window: Facing the Five D’s of Financial Distress
QUESTION: Jason, I have a relationship with a manufacturer that is owned by two brothers. They’ve recently had a falling…
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  • Compliance & Regulation, Risk
Digits: Consumers See Income Rising, but Financial Concerns Persist
Digits: Consumers See Income Rising, but Financial Concerns Persist
How much do consumers expect their income to grow over the next year?…
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  • Compliance & Regulation, Growth & Innovation, Risk
Quotable: New Regulations To Raise Customer Costs?
Quotable: New Regulations To Raise Customer Costs?
See what JPMorgan’s Marianne Lake had to say about new regulations proposed in Washington and what they could mean for…
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  • Risk, Talent & Workforce
Is a Gen AI Revolution Coming to Credit Risk Management?  
Is a Gen AI Revolution Coming to Credit Risk Management?  
Do you specialize in credit risk? Have you used generative AI for work in the past week? If you said…
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Credit Trends in Commercial Lending – Credit Risk Navigator – May 2024
Credit Trends in Commercial Lending – Credit Risk Navigator – May 2024
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  • Compliance & Regulation, Fraud, Risk
OCC: Banks ‘Sound,’ but Risks Abound
OCC: Banks ‘Sound,’ but Risks Abound
Many associate June with Juneteenth and Father’s Day. Some may circle the month on the calendar for lesser-known celebrations like…
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  • Compliance & Regulation, Economy & Markets, Fraud, Growth & Innovation, Risk, Talent & Workforce
July 2024 RMA Risk Watch: Notes and Resources on Today’s Top and Emerging Risks
July 2024 RMA Risk Watch: Notes and Resources on Today’s Top and Emerging Risks
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CoStar Risk Analytics Webcast: The State of the CRE Market in a Challenging Lending Environment
CoStar Risk Analytics Webcast: The State of the CRE Market in a Challenging Lending Environment
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  • Growth & Innovation, Risk
CRE ‘Reckoning’ Looms
CRE ‘Reckoning’ Looms
Storm clouds are gathering in the commercial real estate (CRE) market, and—you guessed it—office space is under watch. Experts at…
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  • Compliance & Regulation, Risk
Industry Panel Sees Office Reckoning, Opportunity in Other CRE Segments
Industry Panel Sees Office Reckoning, Opportunity in Other CRE Segments
RMA’s New York Chapter convened a panel of commercial real estate experts recently to share their thoughts on the state…
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Climate Risk Update: The Intersection of Physical Risk and Insurance Industry Developments
Climate Risk Update: The Intersection of Physical Risk and Insurance Industry Developments
Banks and insurance companies are now recognizing that catastrophic weather events are becoming a major and inescapable risk factor—one that…
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  • Growth & Innovation, Risk, Talent & Workforce
Pausing To Assess Risk in the Multifamily Construction Boom
Pausing To Assess Risk in the Multifamily Construction Boom
The multifamily housing sector has been a reliable space for lenders amid ongoing concerns about concentration risk in struggling pockets…
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Credit Trends in Commercial Lending – Credit Risk Navigator – April 2024
Credit Trends in Commercial Lending – Credit Risk Navigator – April 2024
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  • Compliance & Regulation, Risk
The CFPB’s Big Win
The CFPB’s Big Win
No doubt you’ve heard about the Supreme Court’s landmark CFPB ruling. (We can confirm it was a small-talk topic of…
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Why Predicting Climate Impact Is a Daunting Task for Banks
Why Predicting Climate Impact Is a Daunting Task for Banks
Last week, we discussed how weather-related events are affecting the insurance market—and the impact for banks. That’s among several significant…
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  • Compliance & Regulation, Risk
Rising Insurance Premiums, Rising Risks for Banks
Rising Insurance Premiums, Rising Risks for Banks
The cost of homeowners and auto insurance is skyrocketing in the U.S., posing increased risk for banks and making lending…
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  • Compliance & Regulation, Risk
Inflation Finally Falls
Inflation Finally Falls
After months of disappointing data, inflation showed signs of weakening this week, with the latest monthly report from the Bureau…
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Bank Risk Management in the Age of Disruption
Bank Risk Management in the Age of Disruption
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  • Compliance & Regulation, Risk
As Insurance Rates Rise, So Does Bank Risk
As Insurance Rates Rise, So Does Bank Risk
Just how quickly is the cost of homeowner’s insurance rising? Last year, the average premium for an annual policy in…
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