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
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
Would you like to have the seven simple secrets that turn ordinary banks into top-performing banks? These secrets lie within the answers to one profound question Roxanne Emmerich asked 100 CEOs of top-performing banks: "What
Here are 15 questions you might pass along to some of your mid-size business borrowers. This is how Certified Fraud Examiners size up a company's vulnerability from the 2007 edition of the Fraud Examiners Manual.
Another interesting tidbit from the October 2007 issue of CFO Magazine. U.S. CFOs were asked their biggest workforce worries. Of those who ranked the following items in their top three, here are the percentages: Cost
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