October, 2017 Alec Hollis, CFA, Director, ALM & Investment Strategy Risk management is sometimes regarded as a mere regulatory requirement by financial professionals, just one more thing on a long list of “have-to-dos.” While its necessity is understandable, it can
September 2017 Brandon Pelletier, Director, Strategic Solutions Group Succeeding in today’s financial marketplace is challenging, with more intense regulation, ongoing competition from other industry players, and hungry fintech companies eager for a slice of the consumer banking pie. It is
August 2017 Thomas Griswold, Director, Strategic Solutions Group Time management experts often advise breaking up a long to-do list into categories such as tasks that must be done, and tasks that might be nice to do if time allows. Where
July 2017 Stacey Wilkerson, Senior Director, Advisory Services Banks and credit unions alike are faced with balancing regulatory dual capital mandates. As a result, efficient allocation of capital is a vital part of capital management. Although a financial institution’s allowance
Hafizan Hamzah, Director, Investment Management Group ALM First Financial Advisors, LLC Investors often spend a great deal of time assessing portfolio risk based on regulatory guidelines. Such an approach tends to define risk as a function of parallel changes in
Robert Perry Principal, ALM & Investment Strategy Jason Haley Managing Director, Investment Management Group ALM First Financial Advisors, LLC APRIL 2017 Question: Our financial institution needs a more formalized investment process. What are considered today’s best practices in this area?
Question: Why do you believe institutions might want to consider hedging interest rate risk using derivatives? What are some factors we should consider when deciding to hedge with derivatives? Our philosophy at ALM First is rooted in risk management. As
March 2017 Question: I’ve heard that financial institutions can hedge their mortgage pipeline by shorting TBA mortgage-backed securities. What are the advantages, as well as the compliance issues? To generate more funds for ongoing mortgage processing, financial institutions can sell
Emily Hollis, CFA, Chief Executive Officer ALM First Financial Advisors, LLC March 2017 Question: I’ve heard that financial institutions can hedge their mortgage pipeline by shorting TBA mortgage-backed securities. What are the advantages, as well as the compliance issues? To
Hafizan Hamzah, Director, Investment Management Group ALM First Financial Advisors, LLC Our institution has a strong focus on single-family mortgage originations. How can we use mortgage servicing rights to our best advantage? Retaining the mortgage servicing rights (MSR) when mortgages
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