Not all credit risk rating systems are created equal. Read the blog to explore 10 things you should for to ensure your rating system follows industry best practices.

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ALM model validators have a lot on their plates in a volatile economic environment. Read the blog to explore our four keys to future success.  

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Since the onset of the COVID-19 pandemic, the world as we know it has changed rapidly, and with it, commercial banking. Banks across the U.S. are scrambling to strategize against stressed commercial loan quality as delinquencies and deferrals pile up and drive rising reserves and charge-offs. As defaults loom, many banks are gearing up for a wholesale shift from loan growth to loan resolution.

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With commercial loan quality under stress due to COVID-19-related pressures, many banks are discovering that the basic risk rating system they have employed for the last decade or more is not sufficient to rate, manage, and report on loans in the current environment. 

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Now nearly two quarters into the COVID-19 crisis in North America, financial institutions are still learning how to deal with unprecedented economic disruption and its impact on the quality of new and existing commercial loans. In response, many institutions have made major adjustments to their lending standards, so much so that the latest Senior Loan Officer Opinion Survey (SLOOS) reports that Q2 2020 commercial lending tightened the most since the 2008 financial crisis.

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