regulations and compliance Posts

7 Strategies for Achieving Balanced Loan Growth – Part 5

Posted on June 1, 2021 by Baker Hill

CECL as a Strategic Business Initiative In our last post in this series on lending strategies , we covered deal pricing and efficient loan origination. Today, we’re moving onto CECL and how it looks to shake up the banking...

In the Green: Regulatory Changes for the Hemp Industry

Posted on November 6, 2020 by Jennifer Foraker

FDA, SBA, USDA, state and local government. What do all of these have in common? Well if your institution is interested in lending to hemp related businesses, then you need to comply will all the regulations and requirements outlined by...

Stress Testing - It’s All in the Data!

Posted on April 26, 2019 by Baker Hill

Stress testing is here to stay. No matter what your asset size, stress testing must be incorporated into your bank’s risk strategies. Regulators have definitive stress testing requirements for banks over the $10 Billion mark. The Dodd Frank Act...

How Well Do You Know Your Loan Portfolio?

Posted on August 24, 2018 by Baker Hill

With a deeper understanding of their loan portfolios, financial institutions can minimize CECL’s impact on their income statement CECL implementation will require financial institutions to book loan loss allowances for the life of the loan at the time of...

Relief Act to Offset CECL Implementation Costs & Capital Adjustments?

Posted on August 9, 2018 by John Robertson

As financial institutions analyze Current Expected Credit Loss standard (CECL) data requirements and begin to run various modeling scenarios in order to ascertain the impact to capital when adopted, some institutions could face substantial adjustments. On the heels of...

Are you positioning your Financial Institution for CECL Compliance?

Posted on July 20, 2018 by John Robertson

By 2020, financial institutions will have to comply with the Financial Accounting Standards Board’s (FASB) current expected loss standard, otherwise known as CECL. Instead of recognizing credit losses once incurred, financial institutions will have to calculate the expected loss...