Lending to Complex Borrowers

Complex borrowers include wealthy individuals, business owners, real estate investors and more. These are the borrowers that have you wishing for a plain-vanilla-wage-earner. Tax returns are voluminous and layered. For one loan you may be analyzing as many as ten tax returns, perhaps more. More than other lenders, you need to be able to sift through the overwhelming amount of information to:

  • Pull qualifying income
  • Spot red flags
  • Understand the borrower
  • Have more meaningful conversations
  • Uncover loan opportunities
  • Make a good decision
  • Document the file

Why learn from Linda?

  • She has worked with thousands of lenders at hundreds of financial institutions for over 20 years.
  • She is Certified Squared!
    • As a Certified Public Accountant, she has a practical understanding of the story behind the numbers.
    • As a Certified Speaking Professional (CSP) she can actually explain what she understands.
  • As a 20-year commercial borrower in the family construction business, she understands how business borrowers think.
  • She stayed with the same bank for over 20 years and knows how your bank can create 'sticky' customers.
  • She is a residential RE investor and understands their needs and what you need from them.
  • She was an Examiner with the Washington State Auditors Office. She knows how regulators think.
  • She and her husband successfully borrowed money for business and investments, always requiring tax returns of multiple businesses and investments, through four recessions and counting.
  • How may we help you?

    Download the Global Tax Return Analysis
    Quick Reference Guide