Results include
- 1 People
- 6 Webpages
- 1 Whitepapers
- 12 BID Newsletters
People
SVP, Chief Credit Officer
Cindy Cheng has over 20 years of experience in finance, with a concentration in credit risk management and commercial lending. Cindy is responsible for PCBB’s lending strategy and overall risk managem...
Webpages
Jun 1, 2026
Discover how BLP works: offer competitive fixed-rate loans without the complexity & accounting burden of traditional back-to-back interest rate swaps.
Jun 1, 2026
PCBB's advisory services for community financial institutions include customer profitability analysis, CECL compliance, & credit stress testing with expert guidance.
May 31, 2026
Get answers to common questions about PCBB's BLP loan hedging solution, including how it works, loan types, collateral requirements, & eligibility.
May 31, 2026
PCBB's interest rate swap solution allows community financial institutions to hedge the loan and reduce rate risk, generate fee income, & close more loans.
May 31, 2026
PCBB combines a powerful credit stress testing solution with expert advisor guidance to help community financial institutions determine the potential impact on earnings.
May 31, 2026
Meet PCBB's executive leadership team, regional managers, and product specialists.
Whitepapers
Jan 23, 2024
A guide to help you manage credit risk using four strategies. Learn about the benefits and tips of credit stress testing your loan portfolio seamlessly.
Sep 4, 2024
A survey of senior credit risk executives revealed generative AI will impact 80% of credit risk assessments within two years. We discuss how generative AI can help CFIs manage credit risk.
May 26, 2026
Buy now, pay later (BNPL) continues to gain traction with customers, and larger institutions are moving quickly to offer it. CFIs are showing increasing interest, but adoption remains uneven.
May 18, 2026
CFIs need consistent loan pricing frameworks that balance structure with flexibility, incorporating institution-specific funding costs, risk assessment, and relationship value to maintain profitability in competitive markets.
May 12, 2026
Seven practical strategies to help CFIs strengthen resilience, manage risk, improve portfolio visibility, and make more informed decisions on growth, pricing, liquidity, and capital planning.
Apr 29, 2026
We look at some of the key findings from Bank Director’s 2026 Risk Survey and explore what they might mean for CFIs as they seek to manage risk in a fast-evolving, technology-enabled, and increasingly interconnected risk landscape.
Jan 26, 2026
An aging population and rising demand for healthcare make this one of the fastest-growing industries and a strong fit for CFIs. We discuss opportunities and examples.
Jan 20, 2026
The financial services industry is now using agentic AI for some functions, and the list of potential use cases is growing. We discuss the most promising use cases and how CFIs might implement these agents.
Jan 14, 2026
CFIs may be more susceptible to geopolitical events than it appears. We discuss some of the hidden risks and how to plan and prepare for them, if they do impact your institution.
Dec 23, 2025
Per tradition, we're looking back on our top articles of the year to BID goodbye to 2025. This September, we talked with PCBB CEO Curt Hecker to get his take on strategic priorities for 2026 and beyond. We discussed regulatory changes, talent shortages, tailoring your goals to your institution’s size, and more.
Dec 9, 2025
CFIs are contending with CECL process pressures, vendor support gaps, and tool migration challenges amid economic and regulatory shifts. We offer practical tips.
Dec 4, 2025
As community financial institutions continue looking for new sources of fee income, hedging may be the answer —particularly in an economic environment with mixed expectations.
Nov 13, 2025
SMB cyberattacks are rising as CFIs face growing counterparty risk. How do customer-side breaches impact credit, liquidity, and reputation — and what CFIs can do now to prepare?