From the Experts


How Long is too Long?

Posted July 26, 2017 by Stephen D. Heckard in From the Experts.

No one knows better than a bank that time is money. The longer a customer can commit their funds, the better the rate a bank will pay on their deposit. The same applies to technology contracts. The longer your bank is willing to commit to your vendor, the better the rate and/or discount your bank will receive.

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CRE Guidance: Could Require more Expertise/Equity/Examination/Experience/Energy/Effective oversite

Posted July 24, 2017 by Michael M. Moran in From the Experts.

Quite possibly, all or most of the above will apply as we take a slightly tongue-in-cheek spin on one of the industry’s better-known acronyms, and the accompanying regulatory guidance that likely becomes elevated in future exams. In our February post, Do the CCAR Scenarios Signal Regulatory Focus? (February 16, 2017 - link below), we expressed the belief that the annual CCAR and DFAST process might foretell potential regulatory “hot buttons” and/or primary areas of focus for the banking sector. This past year’s hypothetical severely adverse scenario depicted, among other things, a swift and dramatic decline in commercial real estate (CRE) values:

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We All Have Standards, Right?

Posted June 27, 2017 by Stephen D. Heckard in From the Experts.

Each one of us has our own set of standards, what we understand to be acceptable and what isn’t acceptable. Standards define a minimally acceptable behavior. Standards define how we live our lives. If we don’t live up to personal standards, then we must answer to ourselves and possibly to others. Standards certainly apply to our professional lives. Standards can be identified in how we conduct business, and how well we perform our daily responsibilities. In fact, every employee at your bank has a responsibility to demonstrate standards of performance.

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Where Have You Gone George “De Novo” Bailey?

Posted June 16, 2017 by Michael M. Moran in From the Experts.

Where have you gone George “De Novo” Bailey? Or, maybe more appropriately with regard to the Michigan community banking space, when (if ever) does the next Bill Broucek-like banker emerge on the scene? I’ve commented in past months about both the challenges (operational,regulatory and competitive) facing community bankers and the dearth of traditional de novo activity coming out of the Great Recession. Recent discussions with long-time NBD banker and correspondent banking legend, Don Jeffrey, underscored what is common knowledge to every community banker in Michigan: their ranks have dwindled over the years, and some of the historical “back-filling” that used to occur via access to both talent and capital investment is now rapidly facing a nearly 10-year drought. Succinctly, a picture is worth a thousand words:

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Big Brother Actually is Watching

Posted June 7, 2017 by Stephen D. Heckard in From the Experts.

Big brother is watching…and it isn’t a bad thing. In fact, it is a very good thing, one that has the potential to strengthen the entire financial services industry.

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