Credit analysis


Temperature or Tides? Wants or Needs?

Your business borrowers are making big decisions in very 'confused seas'. Is it time to:Rehire workers?Add to production?Beef up inventory?Market more aggressively?Borrow money?Last weekend I planned to take the kayak out for a trial

Posted Mar 10 2010 by Linda Keith

Lucky 13: Additions to cashflow you may be missing

This would be a bad time to miss an add to taxable income. Your borrower's need all the help they can get to qualify for your loan.Some in this list are personal and some are

Posted Feb 23 2010 by Linda Keith

The Thud Factor - What will it take to keep the regulators 'happy'

Sam Thacker works with small businesses to secure all types of financing. He is often referred by bankers who either can't do the deal themselves or realize the borrower needs help putting together the loan

Posted Feb 02 2010 by Linda Keith

5 lists your borrower should bring you for new years...

Long before I focused on working with lenders to understand business and make good loan decisions, I focused on working with the businesses themselves. I still do.I am one of the Business Credit bloggers on

Posted Jan 06 2010 by Linda Keith

My CUES Webinar January 21st: The Keys to the Map

I'll be presenting a webinar for the Credit Union Executive Society. If you are a CU lender or lending manager...plan to attend. (If not, scroll to the end of this post). From Taxable Income to

Posted Jan 05 2010 by Linda Keith

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

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

What to tell CLOs about needed guideline changes...

I'll be presenting to Chief Lending Officers from Credit Unions around the country at the CUNA Lending Council 2009 Conference. Sure, it is likely the attendance will be down as it is for many business

Posted Oct 22 2009 by Linda Keith

Training in your city? Eugene & Santa Rosa scheduled

For lenders more than an hour from my usual open-enrollment cities of Seattle, Portland, Burlingame, Pasadena and Anaheim, travel time and money may be keeping you 'out of class'. No longer. In both Eugene, Oregon

Posted Oct 18 2009 by Linda Keith