Kevin Graff

Portfolio Statistics

I am always amazed at the number of detailed statistics sports broadcasters report regarding a specific player or team.   It is almost unimaginable the amount of record keeping that takes place in sports today.  It is also amazing how much this data is mined to find relevant information to provide an advantage to a team or a player.   For example,  “Stat to know: The Packers’ Rodgers and Adams connected on 76.7% of their attempts this season, the second-highest rate among the 60 QB-WR duos with 150 attempts in the past 20 seasons.” per NFL Next Gen Stats[1].

[1] NFL playoffs: Packers-Rams matchup features clash of No. 1 offense, defense – Green Bay Packers Blog- ESPN

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Time to incorporate a remote loan file review?

This blog was initially posted in January 2019. Presently the corona virus is creating the need to minimize unnecessary contact and create appropriate social distance. Financial institutions have begun to implement reduced branch access and other measures to limit personal physical contact. Unfortunately, we are also beginning to experience the economic impact of the virus as many businesses are no longer able to provide the product or service in their traditional way. Financial institutions will need to continue third-party provided audit services. We believe loan review is a service that can be remotely delivered and provided for continued portfolio risk management. Integrity Loan Review is ready to assist you with a remote loan review for your organization.

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HVCRE Update – December 2019

On December 13, 2019, the Agencies published the final rule regarding HVCRE (High Volatility Commercial Real Estate) which becomes effective on April 1, 2020. The primary intent of the revision was to create consistency with the statutory definition of HVCRE exposure. The revision will also provide for consistency in the reporting requirements for the Call Report and FR Y-9C.

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Happy Thanksgiving from your friends at Integrity Loan Review!

We Thank Thee

For flowers that bloom about our feet;
For tender grass, so fresh, so sweet;
For song of bird, and hum of bee;
For all things fair we hear or see,
Father in heaven, we thank Thee.
For blue of stream and blue of sky;
For pleasant shade of branches high;
For fragrant air and cooling breeze;
For beauty of the blooming trees,
Father in heaven, we thank Thee.

– Ralph Waldo Emerson

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