Remove Barriers to Growth

Local banks serve as the anchor of the banking system in the U.S. by helping small and mid-sized businesses across the country to grow and invest. This in turn helps local communities to flourish.Growing a regional or community bank is a challenging task. Regulations...

Smarter Credit Risk Helps Improve Sales and Topline Growth

Over the last 20 years, the number of banks has dropped from 9,000 to a little under 5,000, and net interest margins have continued to decline. As you can see in the chart provided above, there’s a significant swing associated with total losses that banks have...

How Risk Management Can Become a Source of Revenue

Risk management is often considered a cost. Consequentially the practice of risk management is often considered another purely operational expense to be minimized. Risk management as a cost structure is implemented to try to prevent or limit unnecessary losses. But...

Why Unifying Credit Risk and Finance Improves Topline Growth

Over the last 20 years, the number of banks has dropped from 9,000 to a little under 5,000, and net interest margins have continued to decline. Clearly, there are historical challenges that were a direct result of the downturn a decade ago that reduced the number of...