Tag Archives: Lending
Commercial Lending…More Lessons: Equity and Contingent Liabilities
In addition to those detailed in our article, Commercial Lending…After The Crisis: Back To Basics,
here are two more hard lessons learned from the financial crisis: Continue reading
Commercial Lending…After The Crisis: Back To Basics
Now that we have digested the fact that most banks’ loan portfolios are weaker today than they were two years ago, it’s a good time to review a few of the basics of commercial lending.
Bank Lending Terms Keep Squeeze on Consumers
Banks tightened lending standards further in the three months to April, adding to the credit squeeze on households and businesses, the Federal Reserve’s senior loan officers survey said on Monday.
Accounting for Loan Losses-GAAP vs. RAP…Not Again!
This issue is a lot like the Rocky movies. Just when you think it’s over they make another movie! Last week U.S. Comptroller of the Currency, John Dugan said that the accounting rules need to be changed to allow banks to reserve for future losses in the loan portfolio so that earnings would be less volatile. Didn’t we just spend the last 14 years hashing out this issue and finally eliminating any differences? Continue reading
Posted in Community Banking, Lending, Regulatory Issues
Tagged Community Banking, Lending, Regulatory Issues
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Hiring Lenders in Today’s Environment
Hiring and retaining qualified commercial lenders remains one of the biggest challenges for many community banks. In the past, large commercial banks served as the “farm system” for training and developing new lenders, and community banks were often able to recruit well-trained lenders from them. But with fewer big banks now providing this kind of training, there are fewer qualified lenders – who possess both sales/relationship and technical credit and underwriting skills – for community banks to choose from. Continue reading
