Blog - Page 2 of 2 - Cobblestone Management LLC

How Massachusetts Banks Have Grown in Commercial Lending Over the Past Year

October 16, 2017 - By: Dawn Nedell

In order to understand where your institution fits in the competitive commercial lending marketplace, peer analysis and the periodic measurement of industry trends is a must. As we consider it one of Cobblestone’s primary missions to help financial institutions remain informed, we did some number-crunching on your behalf to determine annualized commercial lending trends up to Q2 2017.

Regulators Outline Priority List for 2017 Safety and Soundness Exams

September 20, 2017 - By: Dawn Nedell Tags: OCC, Safety and Soundness, Underwriting Review -

The OCC, which has been at the forefront of regulatory scrutiny of community banks, outlined its operating plan and list of priorities for its examiners in 2017. Specific to its review of commercial lending activities within community banks, the OCC operating plan highlighted credit underwriting as a major area of focus.

Are You Paying the Right Price for Underwriting & Analysis?

September 12, 2017 - By: Dawn Nedell Tags: Community Reinvestment Act, CRE, Credit Underwriting, Loan Policy, Loan Review -

In the January 2017 issue of the RMA Journal, in an article titled “Banks Needn’t Fear a 1984 Scenario”, the RMA quantified the cost of underwriting a commercial loan. Their estimate specific to the cost of credit analysis was $6,140 per underwrite.