banking regulations
February 15, 2017
The concept of silos of functions has been facilitated by the implementation of legacy IT systems that were designed solely to meet the demands of a particular department. While that might have seemed like a sound banking practice as recently as even decade or two ago, the financial landscape has […]
April 19, 2017
C&I loans are those that are typically extended to partnerships, corporations, sole proprietorships and other business entities in order to finance specific needs. A few examples of common reasons that applicants might be interested in such loans include shoring up an uneven cash flow, providing working capital on a seasonal […]
October 20, 2017
Starting in 2018, the Midsize and Community Bank Supervision (MCBS) team of the Office of the Comptroller of the Currency (OCC) will focus on risk analysis, credit underwriting, strategic risk, asset management, operational risk and other objectives. The context of these objectives is as follows: Risk Analysis The incorporation of […]
November 20, 2017
The lending landscape has changed dramatically over the past few years. According to the Washington Post, as recently as 2011, Bank of America, JPMorgan Chase and Wells Fargo — the three largest banks in the country — were responsible for 50 percent of the loans in the United States. Just […]