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

Change is inevitable. Keep your perspective with humor.

We know that the congress is going to think more regulation is at least part of the answer to the banking challenges. So you know change is coming! Here is an essential step before you can deal with the change or solve the problem at work.

Dr. Patt Schwab is up to the K in SKATE from her presentation:

When Hell Freezes Over: Ice S.K.A.T.E.

K = Keep Your Perspective with Humor

Try out her ‘on-hold’ technique next time a borrower ‘goes off’ on you over the phone!

And of course, if you are as taken as I am with Dr. Schwab’s approach to dealing with change, give her a shout at

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.