Risk Ratings and Restructuring

COVID-19 continues to evolve with unimaginable ramifications to individuals and businesses around the world.  The outbreak has caused increasing global business and economic disruptions.  The spread of this disease and its resulting economic impact is unprecedented.

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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

RMA – Wisconsin Chapter

The RMA Wisconsin Chapter began its’ new fiscal year as of September 1, 2019.  At that time, I became the new President for the RMA Wisconsin Chapter.  I am honored to take on this role to continue my service on the board and give back to the banking community.  I joined the RMA Wisconsin Chapter board of directors in 2012.  The Chapter has experienced amazing growth during that time offering a greater number of educational classes, roundtable discussions and other industry social and educational events throughout the state.  These events are not only designed to provide training for bankers but to also provide a networking format for bankers to get to know their peers.

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