How can we help? Call us at 360-455-1569 or email

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 have it’s parallels in your lending world. Pere Mageo is the SBA Credit Administrator for Pacific Capital Bank.

So here are Pere Mageo’s Top Five!

  • The first missed payment
  • Any missed tax payment
  • Any drop in insurance
  • Any call for payoff information
  • Any request to sell collateral

What are your top five?

About the Author
Linda Keith CPA is an expert in credit risk readiness and credit analysis. She trains banks and credit unions throughout the United States, both in-house and in open-enrollment sessions, on Tax Return and Financial Statement Analysis. She is in the trenches with lenders, analysts and underwriters helping them say "yes" to good loans. Creator of the Tax Return Analysis Virtual Classroom at, she speaks at banking associations on risk management, lending and director finance topics.