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acxell Blog
Our Subject Matter Experts Discuss Emerging Banking Issues

Memos to Files Can Be Essential in Managing Risk

1/20/2023

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Memos to Credit Files
By Credit Risk
Management Group

Memos to file, more commonly known as memos, don’t seem to get the recognition deserved. The name alone suggests that it’s merely something to throw in the credit file and forget about. However, it’s important to remember the reason why details are documented on a memo in the first place. Once you understand the purpose, your financial institution can further benefit from this simple, yet beneficial, risk management practice.




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COVID-19’s Impact on Loan Modifications and Past Due Reporting

7/20/2020

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Yvonna Coyne, Manager

As you already know, the president declared a National Emergency on March 13, 2020 due to the COVID-19 pandemic.  Even after several months, this remains a unique and challenging situation that continues to cause business disruptions affecting banks, borrowers, and the economy alike. As a recap, here are some of the more major changes impacting the lending environment which are still important as we strive to move forward.

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    OnCourse is a blog dedicated to providing an informative and fresh look at matters that affect the banking and financial industry, including the direction of risk, compliance matters, audit, and more.
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