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Dan Farmer
Senior Consultant
Darling Consulting Group
As a Senior Consultant at Darling Consulting Group, Daniel assists financial institution executives in strengthening their asset liability management (ALM) process. He provides custom solutions for managing interest rate risk, liquidity risk, and capital while maintaining a focus on strategy and optimizing earnings. Daniel also works closely with financial institution executives and teams to harness the power of data analytics to distill actionable insights and enhance strategic decisions using DCG’s Deposits360°®, Loans360°®, and Liquidity360°® platforms.
Daniel began his career at DCG in 2016 as a financial analyst and holds a B.S. in Economics & Finance from Bentley University.
Justin Bakst
Executive Director
Darling Consulting Group
Justin provides risk management education and strategic consultation to financial institutions leveraging DCG’s analytics solutions. Justin has been a thought leader in risk management including interest risk, credit risk, and liquidity risk, as well as emerging risks including artificial intelligence and machine learning. Justin’s focus is developing and implementing solutions that analyze customer behavior patterns to proactively manage embedded risks and drive higher levels of earnings. Justin is a frequent speaker and author with the RMA, American Banker, NYTimes, and CIOMagazine.
In a rapidly changing rate environment, unseen risks in your loan portfolio could be your greatest liability.
Interest rate swings over the past few years have produced a coupon band "barbell" in many loan books: large volumes of COVID-era ultra-low-rate loans on one side, and higher coupon loans with more recent vintages on the other. What seemed like a safe, average-performing portfolio may actually mask hidden risks and untapped opportunities – especially as prepayment speeds shift and higher-yielding loans modify faster than anticipated.
Add to that the looming wall of maturities in the CRE book and you have a perfect storm that could blindside even seasoned bankers.
Are you prepared for what’s beneath the surface?
Join DCG’s Justin Bakst and Dan Farmer for a fast-paced, insight-packed session that will show you:
Why relying on averages can lead to flawed assumptions
How borrower behavior is shifting – and what it means for strategy
What CRE repricing and maturities could mean for your margin outlook
Real-world analytics to pinpoint risk and shape smarter decisions
Don’t let your averages lie to you. See how timely insights can strengthen your lending strategy and position your institution for success.