CLOUDecision News

October 14, 2016

Regulatory Changes and What It Means for Community Banks

Now more than ever, banks must demonstrate compliance with regulatory requirements for commercial lending. While big banks may have sophisticated software and the budget to easily handle changes, small banks often struggle to adapt to new regulations with old software. If your bank or credit union is experiencing difficulty keeping […]
November 16, 2016
Stress Testing for Community Banks - CLOUDecision

Prepare Now: FDIC Stress Testing Requirements Affecting Community Banks

Since the 2008 financial crisis, the FDIC has mandated that banks holding over $10 billion in assets must have robust stress-testing practices in place to prove they are prepared for risk. The stress-testing requirement has started to trickle down to banks with fewer than $10 billion in holdings. If your […]
November 30, 2016
Stress Testing - Cloudecision

Quality of Risk Management: Risk Reporting, Management and Compliance

FDIC stress testing regulations affect banks that hold over $10 billion in assets. Yet if you think your community bank is immune from having to put stress-testing measures in place since you hold fewer than $10 billion in assets, think again. The reality is that stress testing is critical for […]
December 12, 2016
Stress Testing - CLOUDecision

4 Benefits to Community Banks That Stress Test

Currently, banks with over $10 billion in assets are required by the FDIC to complete stress testing. If you are part of a community bank or credit union, there are still many benefits to voluntary stress testing. Data suggests that as much as 40% of banks and credit unions already […]
January 10, 2017
CLD - Risk Analysis

SCAP: FRB Risk Management Expectations for Community Banks

Legislation from the Supervisory Capital Assessment Program were enacted in good faith as a way to decrease financial instability in the market. As you are aware, the regulatory efforts have made it considerably harder for local banks and credit unions to operate efficiently.
January 23, 2017
Effective CRE Risk Management and Compliance for Lending Institutions | CLOUDecision

Effective CRE Risk Management and Compliance for Lending Institutions

The OCC stresses that a solid commercial real estate (CRE) lending program must have sufficient levels of available capital as well as sound risk management standards. While individual loans carry an inherent risk, CREs expose financial institutions to an additional burden. Once it has been determined that such a risk […]
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