cloud-based financial lending

October 19, 2016
Remaining Compliant with CLOUDecision Cloud-based Software

How Community Banks Can Maintain Compliance Costs with Today’s Cloud-based software

New banking regulations are driving up the operation costs for banks of all sizes. While it’s easier for big banks to purchase new data tools to remain compliant, small banks and credit unions feel the pinch of making these investments. Many are forced to reduce their offerings just to remain […]
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 […]
February 6, 2017
CCAR Compliance for Financial Institutions

Effective CCAR Compliance for Today’s Financial Institutions

Financial institutions are inundated with existing loan data generated across numerous platforms. While the historical tendency to create silos was reinforced by IT systems already in place to serve individual departments, changes in the Comprehensive Capital Analysis and Review (CCAR) have highlighted the difficulties associated with such an approach.