Articles

Employment Opportunity: Senior Financial Analyst

September 24, 2018 - 2 min read

  Senior Financial Analyst We are seeking an individual with experience in the banking or credit union industry to work with our team to provide monthly and quarterly reporting and consulting to our financial institution clients.  The predominant workflow surrounds asset/liability (ALCO) and interest rate risk (IRR) reporting.  The candidate must have the ability and…

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ProBank Austin Advisor

September 17, 2018 - 1 min read

Market rates rose last week even as the data came in below forecasts  The yield on the ten-year treasury ended last week at 3.0%. The rise to this level has occurred three times this year only to back off to well below this barrier. The rise took place even as the August inflation data was below prior months and…

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Credit for Funding on Non-Maturity Deposits

September 13, 2018 - 2 min read

Essential Concepts in Pricing Loans Relationship profitability is an important metric within most pricing models.  While it is important to understand the profitability impact of individual new loans, it is crucial to understand how the pricing decision on a new credit will impact the profitability of the entire customer relationship.  These relationships often include deposit…

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ProBank Austin Advisor

August 27, 2018 - 1 min read

Domestic economic fundamentals continued strong at the start of the third quarter The data due out this week will contribute to the determination of the sustainability of the business expansion . The risk has been whether the strong growth of the second quarter of this year can continue into the third quarter. There have been three quarters…

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ProBank Austin Advisor

August 13, 2018 - 1 min read

The fiscal stimulus of tax cuts are being undermined by the uncertainty of a trade war Investors continue to focus on the negative impact of the developing trade war as opposed to the strong economic growth data being released. The yield on the ten-year treasury has backed down from 3% two weeks ago to close last week at 2.86%….

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McDonald Earns CAMS Certification

July 20, 2018 - 1 min read

Margaret McDonald, an Associate Consultant at ProBank Austin, recently earned the Certified Anti-Money Laundering Specialist (CAMS) certification. This credential is the gold standard in AML certifications and recognized internationally by financial institutions, governments, and regulators as a serious commitment to protecting the financial system against money laundering. The designation is awarded by the Association of…

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Caldwell earns American Bankers Association’s CAFP designation

July 16, 2018 - 1 min read

Kathleen Caldwell, a Vice President in ProBank Austin’s BSA/AML practice, has earned the industry designation of Certified AML and Fraud Professional (CAFP) by the American Bankers Association (ABA).  This designation recognizes Kathleen’s proven knowledge in AML program design and governance, regulatory requirements, detection, prevention and reporting, and understanding of existing and emerging money laundering and…

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Quarterly Earnings Guidance: Benefit or Burden?

June 20, 2018 - 6 min read

I’m thinking that coming off the Fed meeting last week, the last thing you need or want is to read the 80th-odd treatise on the recent rate hike, and another analyst pontificating on inflation, unemployment, the shape of the yield curve, etc.  Quite simply, the recent increase to the Fed’s benchmark rate, coupled with Chairman…

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ProBank Austin Advisor

June 18, 2018 - 2 min read

The Fed became more hawkish with last week’s moves. The FOMC did more than just raise managed rates last week. In addition to the 25 basis point increase in the target rate for Fed Funds, they also made significant changes in other areas. They changed theirguidance for future moves from three increases in 2018 to…

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ProBank Austin Advisor

June 11, 2018 - 2 min read

The Fed meets with cross currents of strong data, but trade wars looming in the future. The Fed meets this week with the meeting followed by the press conference with the Chairman. The Fed will also release its latest economic and inflation forecasts. The strong consensus calls for the second managed interest rate increase this…

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