Closing SBA loans keeps doors open. Call 800.340.7304 to start www.holtandmon.com Your customers have never needed capital more than they do right now. Plus you need to offset narrowing margins by increasing noninterest fee income. SBA/USDA lending is the perfect answer. And ICBA recommends just one provider to make the process hassle-free: Holtmeyer & Monson. Give customers exactly what they need, at no net cost to your bank. Small businesses count on your expertise. You can count on ours. should understand. Sometimes, an organization can install additional technical controls to mitigate risk. When should you do Patch Management and Vulnerability Management? Patch and vulnerability management is a process an organization completes at intervals. Patches should be applied monthly, and vulnerabilities should be scanned annually (monthly or quarterly is better). A properly functioning vulnerability management program can help ensure patches are installed and help an organization make decisions on risk. Making informed decisions on IT risk will help avoid a breach. Remember, even if you are doing both patch management and vulnerability management, it is a good idea to have an independent third party conduct an engagement to ensure your system is giving you valid information. Auditing your IT and cybersecurity program at regular intervals shows your regulatory examiner you are taking cybersecurity seriously and can help avoid fines and civil penalties if your organization were to have a data breach. For more information, please visit myroguenetwork.com. Continued from page 19 Together, let ’s make it happen. Craig McCandless Call me at 406.850.3790 Based out of Billings, Mont. serving Montana, Wyoming and Idaho Why choose Bell as your bank’s lending partner? Leverage our large lending capacity, up to $20 million on correspondent loans. Our lending limits are high enough to accommodate what you need, when you need it. We do not reparticipate any loans. ■ Commercial & ag participation loans ■ Bank stock & ownership losses ■ Bank building financing ■ Business & personal loans for bankers EQUAL HOUSING LENDER Member FDIC 28934 20 The Community Banker mibonline.org
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