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Watching your small business portfolio-being proactive...

Part 2 To continue the discussion from my last post, we also must realize that the small business borrower typically doesn’t wait until we...

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Watching your small business portfolio...

Part 1 In reality, we are always facing potential issues in our small business portfolio, it is just the nature of that particular beast....

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Common questions about Red Flags Rule...

I have heard this question posed and you may be asking yourselves: Why are referral volumes (the potential that the account origination or maintenance...

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Question of the Day-Red Flags Deadline Approaching...

What is your greatest concern as the May 1, 2009 enforcement date approaches for all guidelines in the Identity Theft Red Flags...

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Risk Adjusted Loan Pricing – The Major Parts...

By: Tom Hannagan I have referred to risk-adjusted commercial loan pricing (or the lack of it) in previous posts. At times, I’ve commented on...

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Knowledge-Based Authentication for Reconciliation...

I’ve talked (sorry, blogged) previously about taking a risk-based approach to reconciling initial Red Flag Rule conditions in your applications, transactions, or accounts. In...

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Be Sure to Read the Fine Print!!!...

Hello Red Flaggers! I’m still getting some questions from our clients these days around the FTC enforcement extension. My concern is that there seems...

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Bank Profit Results in the Face of Credit Risk Costs t...

By: Tom Hannagan Here’s a further review of results from the Uniform Bank Performance Reports, courtesy of the FDIC, through the third quarter of...

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Bank Lending and Credit Risk Results through September...

By: Tom Hannagan I reviewed the Uniform Bank Performance Reports (UBPR: (http://www2.fdic.gov/ubpr/ReportTypes.asp ) for selected clients through the third quarter of this year. The...

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Now is the time to ensure that your organization is ei...

We continue to receive inquiries from our clients, and the market in general, around whether they are required to comply with the Red Flag...

Read More Now is the time to ensure that your organization is either covered or not.
Strategic Execution...

We have talked about: the creation of the vision for our loan portfolios (current state versus future state) – e.g. the strategy for moving...

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WHAT ARE BANKS SUPPOSED TO DO?...

By: Tom Hannagan For the last 16 months or so, the financial services industry has been indicted, tried, found guilty, sentenced and duly executed...

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Strategies for managing an investment portfolio...

In my last blog, I talked about the overall need for a vision for your loan portfolio and the similarity of a loan portfolio...

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ROE vs ROA...

By: Tom Hannagan I was hoping someone would ask about this. Return on Equity (ROE) is generally net income divided by equity, while Return...

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Reporting should be a key element in your Red Flags Id...

We get the following question quite a bit: Would the regulators expect to see a log of detected activity and resulting mitigation? Short answer:...

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