In the last post on 'Fear and Greed', I suggested you help your business borrowers 'stress test' their business. This takes a page from the practice of stress testing your loan portfolio.Lender's Online Library Unless
Our economy goes in cycles. If this is your first economic down-turn as a business lender, some perspective as to how to do business 'not-as-usual' might help.I really like the title of this blog post,
Mortgage LoansIn evaluating a mortgage loan applicant's ability to pay, many lenders use the Fannie Mae guideline of around 33% of pre-tax income. If you need to be able to sell the loan, industry guidelines
My community bank and credit union clients 'did not go there' when it came to sub-prime loans. In fact, in some ways they are benefiting because some of the alternatives for mortgage loans are gone
This last one takes me back to the first one. RMA Chair and EVP of Credit Administration Gerald Dent gave us Be timely (see my post) Be proactive (see my post)Be smart is his third.
In Gerald Dent's April 2008 RMA letter (he is the RMA chair and EVP of Credit Administration of Zions Bancorporation) he continued with his lesson on 'Fundamentals'.See this post about the first 'B', Be timely.Be
Of course we have all heard of the 3 'C's of credit...but the 3 'B's was new to me. "Not all credit relationships are successful," says Gerald Dent, RMA Chair and EVP Credit Administration for
Has the weak holiday retail season, rising unemployment, the credit crunch, the cost of gas, the increasing cost of health care, (fill in the blank) challenging some of your business borrowers? Here are 5 tips
What if we took all the money spent to comply with Sarbanes-Oxley (SOX), the laws implemented after the Enron and Worldcom debacles to protect shareholders, and just divided it up between the shareholders and employees
Getting tougher to get your commercial and commercial real estate deals approved? You are not alone...but you knew that. The Federal Reserve's recent Senior Loan Officer Opinion Survey confirms what you already know and puts
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