April 2009 Archives


Too Big to Fail, Too Small to Save...the latest

In an RMA Regulatory update, W. Bernard Mason reported on the U.S. Congressional Joint Economic Committee hearing held last week that explored the government's actions in dealing with the current financial crisis. This hearing, held

Posted Apr 29 2009 by Linda Keith

Changing Banks is like Driving in Wales: How to make it easier

Lenders are changing banks right and left. Your bank is bought, merged or even seized by the FDIC. Now you have a new lending culture, guidelines and procedures to use. Even if you are a

Posted Apr 29 2009 by Linda Keith

Lender's Reasonableness Test: 389 Miles to East

These last two days I have had as much fun as is fair to have while working with 17 lenders to improve their tax return analysis. We had several asset-based seasoned lenders ramping up their

Posted Apr 23 2009 by Linda Keith

Private equity dries up - Portland Business Journal

Staying on top of alternate sources of financing is important these days if your bank does not have as much money to lend or is very tight with what is available. Private equity is a

Posted Apr 22 2009 by Linda Keith

What frugal business borrowers and ex-communist countries have in common

Business owners who have successfully weathered a downturn often are a bit frugal by nature.Maybe they are not taking every possible dime out of their companyPerhaps they live on less than they earnThey may be

Posted Apr 15 2009 by Linda Keith

Dumb Questions make for Smart Bankers

In their RMA Journal article (March 2009) on 'How Silos Obstruct Counterparty Risk Control', Val Mulcahy (an independent operational risk consultant) and Paul Sassieni (SVP ERM, State Street) make this statement more than once.Beware of

Posted Apr 08 2009 by Linda Keith

Why aren't (some) banks lending?

In his testimony to congress, Independent Community Bankers of America President Michael S. Menzies Sr. (President and CEO, Easton Bank and Trust Company) lays out the case for the balance between increased credit availability and

Posted Apr 03 2009 by Linda Keith

9 Questions from Recession-Racked Business Owners and How the Banker Might Answer Them

Bankers are now the lifeguards of the small business world. If you are on the hunt for ideas to help your business borrowers who are feeling the economic pinch, here are some of their questions

Posted Apr 03 2009 by Linda Keith

Marshall Goldsmith's 6 question approach applied to banking

Marshall Goldsmith wrote the book 'Succession: Are you ready?' He is well known for his previous book, What Got You Here Won't Get You There. That has never been more true than where we are

Posted Apr 03 2009 by Linda Keith