Statement Spreading

May 31, 2016

U.S. Banking Regulators Step Up Rhetoric on CRE Loan Standards

U.S. regulators sent a strong signal to bankers that they are preparing to crack down on risky commercial real-estate lending, threatening to force banks to raise capital if necessary as they scrutinize the loans next year. “The agencies have observed substantial growth in many CRE asset and lending markets, increased competitive pressures, rising CRE […]
August 3, 2016
SaaS vs. Legacy Software | Cloudecision

SaaS Lending Software vs. Traditional Software

Deciding whether to implement Software-as-a-Service (SaaS) vs. traditional legacy software for assessing commercial loan risk should be based on several different factors. In addition to ensuring the software can perform the necessary operating tasks, it’s important to evaluate both the actual dollar amount and the value proposition of each. When […]
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 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 […]
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.