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 | Multitasking Within Commercial Lending
Mortgage Technology
December 2009, Page 15
Cliff Nielsen, chief technology officer for Los Angeles-based Pacific Commerce Bank
"The most important tangible benefit is that we have now completed stress testing with Crest,” said Cliff Nielsen, chief technology officer for Los Angeles-based Pacific Commerce Bank, “A lot of examiners are looking for stress testing, and that puts us on the board, even though our examiners have not said we had to. The next tangible benefit is that we understand our portfolio. We have a pretty good idea of what our capital would look like under three different scenarios.”
View this article online | | |  | Stress Is Good
Michelle Lucci is a former Dual-Commissioned FDIC bank examiner in Risk Management and Consumer Compliance who has worked in the banking industry for over 25 years. In her CRE Stress Testing blog, she posts articles and commentary on the latest buzz in commercial real estate portfolios and CRE loan stress testing.
View this article online | | |  | Preparing for CRE Examinations
Community Banker
September 2009
Michelle Lucci - Risk Management Consultant and former FDIC examiner
Q: What do you need to do to prepare for a CRE examination?
A: Effectively managing concentrations of credit that carry high risk can be the key to preparing for your next examination and having a stronger position to survive this banking crisis. Three simple steps will prepare you for your next CRE examination and set you on the path to a healthier CRE portfolio.
Download | | |  | Commercial Real Estate: Measuring the Size of the Other Shoe
Bank Technology News
September 2009
The danger looming over commercial real estate is as apparent as an empty Circuit City. While banks brace for CRE storms, new stress testing software can soften the blow, or at least provide a more detailed diagnosis. To prepare for regulatory exams, Pacific Commerce Bank is deploying Crest stress testing software from Banker's Toolbox to locate weaknesses in its CRE portfolio.
View this article online | | |  | Doug Keipper On Stress Testing
MortgageOrb
Doug Keipper - National Risk Manager, Commercial Real Estate
In August 2009, MortgageOrb spoke with Doug Keipper, the national risk manager of commercial real estate (CRE) for North Hollywood, Calif.-based Banker's Toolbox. Keipper explains the dangers now lurking in CRE portfolios and how the industry can better manage risk going forward. The article includes information on the value of CRE portfolio stress testing and what bankers should look for in stress testing software.
View this article online | | |  | CRE Warning Flags: Don't Get Caught in the Rip Current of a Dangerous Portfolio
MBA Newslink
Doug Keipper - National Risk Manager, Commercial Real Estate
Commercial real estate portfolios have external pressures and risks that threaten to swamp lenders with bad debt and under-capitalized holdings. According to the Federal Deposit Insurance Corp.'s Fourth Quarter 2008 Quarterly Banking Profile, CRE prices fell by 15 percent in 2008, dropping prices to their 2005 levels. CRE segments such as office properties are also experiencing distress due to economic slowdowns resulting in the highest vacancy rates in nearly two decades. Banker's Toolbox's national risk manager, Doug Keipper, outlines the warning signs of an unbalanced portfolio and shares tips for strengthening the portfolio.
View this article online | | |  | Stress Tests are a Start, but Will They Be Enough?
BankInnovation.net
Doug Keipper - National Risk Manager, Commercial Real Estate
"Banks should use stress testing to ensure that they are not setting aside too much of a reserve, since restricting too much capital provides fewer funds for generating additional income."
View this article online
Download | | |  | Incorporating Software into your Red Flags Program
There are many ways that Banker’s Toolbox can assist with your FACTA Red Flags compliance.
Download this document to find out how.
Download | | |  | Consequences of Check Scams, and How to Avoid Them
About.com
Maleka Ali - Risk Management Consultant, CAMS; Banker's Toolbox, Inc.
"Check scams are a persuasive form of sweepstakes scam which can land the unwary victim into serious trouble, both legally and financially."
View this article online | | |  | SAR = Something Ain't Right
BankersOnline.com
Doug Keipper - BSA Compliance Expert, CAMS; Banker's Toolbox, Inc.
Terry Jones - BSA Compliance Expert, CAMS; Banker's Toolbox, Inc.
"To have your customer service rep call you and say 'I don't know what they are doing - but something ain't right' is a comfortable way for them to pass on information without feeling like a tattle tale."
View this article online | | |
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