Tax Return & Financial Statement Analysis

In this episode, we key in on what we are calling the ‘pandemic credit conversation’. This is the time to step forward and call your borrowers. But what do you say? How do you start... Continue Reading

No one wants to give up on a borrower. These folks fully intended to repay their debt. They are grieving the loss of their business and, in their minds, perhaps the loss of their dignity. And... Continue Reading

In this episode, we focus on banking and lending to women entrepreneurs. We will shatter three myths which are getting in the way of your success in benefiting, and benefiting from, women who own... Continue Reading

In this episode, Kevin Smith of Team Resources walks us through the steps a Director must take to step up to their duty of care. The risk profile may be changing rapidly. As a Director,... Continue Reading

Why and when do we have to talk about race? Why might we want to? Why is it so hard? Listen in on a conversation between two friends, Justin who is black and Linda who is white, about why it is... Continue Reading

Forbearance is a true test for the puzzle-makers among us. Done wrong, you will set your borrower and your bank up for disappointment. Forbearance done right requires: Educating your borrowers on... Continue Reading

How do we decide restructure is the best option, or even a viable option, to keep the relationship and protect our loan portfolio? Consider capital position, liquidity, and current liabilities... Continue Reading

In this episode, we get into the emotional side of lending and credit when talking with borrowers who are in financial distress. This may be a business owner or a personal borrower who is... Continue Reading

Valuation and appraisals are a critical element in understanding your risk in CRE, either when making the loan or reviewing one already on your books. We’ll cover: Who to use for appraisals... Continue Reading