Karen FrenchMar 23, 2023Ongoing Monitoring of Your ALCO Model & Model ResultsDCG has performed model validations for banks and credit unions of all sizes and balance sheet complexities for well over a decade.
Zach ZoiaMar 20, 2023The Prediction IssueNo one can predict the rate and economic environment. Yet, we can make sure we have strong risk management cultures in place.
Matt PieniazekMar 17, 2023Bank Failure Fallout: A Risk Management Checklist for InstitutionsThe Darling Consulting Group team has been in contact with hundreds of banks and credit unions since the bank failure situation unfolded.
Hannah GlasrudFeb 21, 2023Five CECL Model Risk Resolutions for 2023Help ensure a smooth journey and long-term benefits by add these five CECL and MRM resolutions to your list for 2023!
Joe KennersonFeb 2, 20232023 Outlook for Deposits: Three Action ItemsThe ability to lag deposit pricing is clearly over and retaining balances, let alone growing new funds, will be a challenge.
Mark HaberlandFeb 2, 2023The Right Validation Can Make All the DifferenceThis rate environment is different and every decision matters. Are your models up to the task?
Steve BoselliJan 26, 20232023: The Year of the "Uncertain" BudgetIf there were ever a time when institutions spent countless hours to be “precisely incorrect,” it was the 2022 budgeting process!
Mark HaberlandDec 14, 2022Hot Topics in Model Risk Management & ValidationInstitutions can face significant challenges when it comes to model risk management. And getting it wrong may bring meaningful consequences.
Bob LalloDec 6, 2022Applying Multiple Perspectives to the “Loss Trade”DCG Managing Director Bob Lallo analyzes some of the key considerations surrounding the “Loss Trade.”
John DemerittNov 10, 2022Asset Quality, Earnings, and Capital, Oh My!How will the recession impact your institution? Particularly in these volatile economic times, stress testing can help drive an answer.
Zach ZoiaOct 27, 2022Not so fast, my friend!Consider alternative outcomes to the rate forecasts we have been offered by both the Federal Reserve & the markets.
Zach ZoiaOct 14, 2022Unlocking Valuable Strategic Lending InsightsInstitutions must try to change the conversation around lending strategy if they truly want to set themselves apart from competition.
Keri CrooksSep 8, 2022If your ALCO conversations haven't changed, be concernedFinancial institutions are in the business of taking calculated risks, but it is the responsibility of ALCO to measure and manage them.
Andrew MitchellSep 1, 2022The Hidden Risk Behind Earnings ProjectionsOver the last three months, a hidden risk dynamic has crept into many institutions’ interest rate risk profiles.
Mark HaberlandAug 9, 2022Going Beyond the "Tick & Tie"It's time for your next model validation, but who should perform it - and how? Regulators make it clear that model validation is...
John DemerittAug 8, 2022Bracing for the "Ripple Effect"Critical Risk Management Action Items for Asset Quality, Earnings, & Capital. In recent weeks, regulators have signaled concern at levels...
Keith ReaganAug 4, 2022Top ALCOIn the summer blockbuster Top Gun: Maverick, we catch up with Lt. Pete Mitchell (call sign: Maverick) as he breaks Mach 10 in an...
Joe KennersonJul 8, 2022Transforming Deposit Pricing from an Art to a Science: Five Essential AnalysesWhat if deposit pricing could be more of a science and less of an art form? When I ask bankers how their teams make deposit pricing...
Jeff ReynoldsJun 29, 2022The Scenario Nobody Talks AboutIn the asset/liability management business, we spend a lot of time running “what ifs.” These are scenarios that make us think, analyze...
Billy GuthrieJun 22, 2022Deposit Competition Will Intensify... Are You Prepared?The FOMC increased the Fed Funds rate by another 75bps last week for a total of 150bps over the last three months, the most aggressive...
John DemerittMay 11, 2022Inflation: Three Outcomes that Could Test Capital ResiliencyLeverage and net worth ratios have declined, on average, by over 1% since the onset of the pandemic, driven by inflated balance sheets...
Mike MitchellApr 26, 2022Now Is the Time to Do Our Homework on DepositsThe definition of preparation is: the action or process of making something ready for use or service or of getting ready for some...
Michael GuglielmoApr 12, 2022Getting Model Risk Management RightGood model stewardship demands policies, sound data, education, documentation, and follow-through.
Darnell CanadaApr 6, 2022Looking at the Cash/Investment Strategy Through a Rear View WindowIn November, I wrote about widespread fears of rising market rates and the related risks and rewards of adding duration to the cash and...