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Two (more) steps to dealing effectively with change at work: Analyze and Accept

In the continuing series “When Hell Freezes Over: Ice Skate”, the A stands for Analyze and Accept.

Here, Dr. Patt Schwab helps you analyze what you might have done differently to help avoid some of the challenges you/your bank/your customers are facing now, but more importantly, analyze what to do next to help in the correction.

I know, you likely did not take part in the sub-prime offerings. And you may not live in a part of the country that had the worst of the RE bubble. But with our economy softening, there are ‘Main Stree’ challenges that are hitting even your solid borrowers.

So analyze…accept…and then I’d add to the ‘A’ list…ACT!

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.