Problem Loans


Five high-level bankers speak up on availability of small business credit

To prepare for a CNN interview on the 'freeing up' of small business lending, I had a very interesting discussion with:•    Director of SBA Special Assets with a national $282 Billion Bank •    CEO of

Posted Sep 16 2010 by Linda Keith

How your business borrower can manage cash flow better...

Toolbox for Finance offers this article by SAP: Managing Cash Flow in Times of Crisis.It is a good article to read if you have business borrower's challenged by cash flow...and I am guessing that most

Posted Jun 25 2010 by Linda Keith

Spotting Fraud: Now You See It, Now You Don't

What works on auditors may work on lenders A 2009 study performed by researchers at the University of Massachusetts at Amhurst demonstrated that  auditors are less likely to find manipulated earnings when management directs their

Posted Mar 31 2010 by Linda Keith

The Dirty Dozen: 12 Indications of Fraud

Here is an interesting post by Jane Harford, FHA DE Underwriter writing for the National Association of Mortgage Processors blog.She does a great job of listing the red flags that pop for her and what

Posted Mar 22 2010 by Linda Keith

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

Five questions to ask in 2010 to make the loan!

I predict the 2009 tax returns will be filed earlier rather than later. Why? The congress has liberalized the rules for carrying back Net Operating Losses. If the business paid taxes in any of the

Posted Jan 05 2010 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

4% of businesses list financing as their #1 concern

Are you having trouble finding business borrowers?The National Federation of Independent Businesses just announced the results of their November 2009 Small Business Economic Trends Report. They asked the respondents what their top needs are now.

Posted Nov 24 2009 by Linda Keith

An SBA Senior Credit Administrator's Top Five Indicators of Trouble

Admittedly, consumer lending is a bit different than mortgage. Mortgage a bit different than business lending. And SBA lending has it's own charms. But the top list of RED FLAGS for an SBA lender might

Posted Nov 17 2009 by Linda Keith

Letter from my failed bank...It's hard to say goodbye!

My bank was among the first 100 to be shut down by the FDIC and handed over to another bank. As an account holder, of course, my deposits were covered. As a shareholder, I lost

Posted Nov 09 2009 by Linda Keith