Are You Tracking Exceptions and Variances?

  • May 19, 2018

written by Blair Groves It’s not uncommon for bankers to make exceptions to policies and variances to procedures. But problems can...


Community Banks Face Strategic Risk in 2018

  • May 17, 2018

written by Blair Groves In January the Office of the Comptroller of the Currency’s (OCC) National Risk Committee (NRC) published their...

What is Your Institution’s Risk Appetite? How-to Identify and Measure Risk

  • August 15, 2014

written by Blair Groves Seven years past the beginning of the largest financial crisis in the United States since the great...

COSO Internal Control Framework Updated

  • March 4, 2014

Two decades ago, the Committee on Sponsoring Organizations (COSO) published its original framework for internal controls. Since then, it has served...

UDAAP and Disparate Impact Update

  • November 8, 2013

Some community banks believe that they are not subject to the unfair, deceptive or abusive acts or practices (collectively referred to...

Building Better Customer Relationships

  • November 8, 2013

The Dodd-Frank financial reform legislation includes several points that have made it more difficult for community banks to operate profitably. These...

Guidance on Stress Testing

  • November 8, 2013

Dodd-Frank Wall Street Reform and the Consumer Protection Act have been among the key concerns for bankers in recent times. One...

Participation Loans: Another Way to Grow Your Portfolio

  • August 23, 2013

Depository institutions use loan participations as an integral part of their lending operations. Banks may sell participations to enhance their liquidity,...


Eight Ways to Grow Your Loan Portfolio

  • August 23, 2013

The uneven economic recovery may be sputtering along in fits and starts, but it appears loan volume has improved at commercial...