December 2009 Archives


How costs behave: Are you (and your borrowers) smarter than a 1st grader?

In the mood to be inspired? Read on. Not in the mood, scroll to the bottom of the post for some 'cost' definitions and why they are important.If you have not yet presented a Junior

Posted Dec 29 2009 by Linda Keith

Lending to Wealthy Individuals...looking for loans in all the right places?

I interact with a lot of lenders...between 20 and 100 each month...in the training sessions on 'Tax Return Analysis in a Tough Lending Environment [tm]'. Two weeks ago a lender in class asked: "Which sectors

Posted Dec 28 2009 by Linda Keith

Just for fun...a knock, knock joke!

Knock, knock.Who's there?EconomistEconomist who?E-cono-mist predicting the recession. I'll try to do better next time.If that did not make sense...read that last line more slowly.I laughed...I really did!

Posted Dec 23 2009 by Linda Keith

Banks and small businesses: For want of a loan | The Economist

Is it a lack of supply (of small business loans) or a lack of demand? In a recent article, The Economist magazine opines that although lack of access to credit inflicted huge damage on small

Posted Dec 21 2009 by Linda Keith

What the Regulators are saying re: CU Business Lending

Credit Unions are an alternative to community banks for business lending. Whether you are a credit union wanting more guidance or a bank wanting to understand your competition, here's a sampling of the question-and-answer segment

Posted Dec 17 2009 by Linda Keith

Your borrower sold a business on a note: Should you count on the payments?

When a business is sold and the seller carries back a note, what happens when the buyer does not pay? And if the business assets are collateral for that note but the former owner accepted

Posted Dec 14 2009 by Linda Keith

Webinar on "More Trouble Brewing: Are your Guidelines Getting in the Way of saying 'Yes' to Self-Employed Borrowers? "

I'll be presenting this webinar on December 15th for CUES (Credit Union Executive Society). The subject matter will be helpful for credit union and bank lending managers.Do a gut-check and make sure that as the

Posted Dec 10 2009 by Linda Keith

Peanut Butter or Jelly? Market Share that Sticks

Peanut butter is sticky. Jelly slides right off. If your business borrower is pursuing growth during the recession, use this analogy to evaluate their choice.This thinking was inspired by today's post in  Steve McKee's blog:

Posted Dec 01 2009 by Linda Keith