---
title: Invictus CRE Approach Gets Regulatory Nod
description: Invictus CRE Approach Gets Regulatory Nod
image: https://intel.invictusgrp.com/hubfs/adamblog.webp
---

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## Invictus CRE Approach Gets Regulatory Nod

Invictus president Adam Mustafa had an FDIC assistant regional director and an OCC examiner nodding in agreement when he told an audience at the New Jersey Bankers Association CRE conference that they should have appropriate CRE concentration risk management processes in place, regardless of regulatory expectations. "Ignore them," Mustafa said of the regulators.  "Do it for the strategic good of the bank."

Mustafa said too many banks approach compliance for compliance sake, which is a big mistake. Banks that integrate stress testing and capital planning into the strategic planning fiber of the their banks end up more profitable and have an easier time persuading regulators that they know what they are doing. Also on the panel was Steve Slovinski, FDIC Assistant Regional Director, and Phillip J. Young, OCC National Bank Examiner.

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### [Evaluating the CBLR at 8%: Should Your Bank Adopt it? *Author: Adam Mustafa, CEO, Invictus Analytics * Federal banking agencies recently finalized a rule lowering the Community Bank Leverage Ratio (CBLR) threshold from 9% to 8%, effective July 1, 2026. At first glance, the change...](https://intel.invictusgrp.com/evaluating-the-cblr-at-8-should-your-bank-adopt-it)

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