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The New "Normal" in Bank Financing | Main Street Financing Challenges

Sam Thacker in this blogpost at hits the nail on the head. There will definitely be a new ‘normal’, and many of us can’t wait to get ‘back’ to it.

As someone who has always believed that business lenders need to understand business, this comment jumped out:

Loan officers can no longer just be salespeople. They must have much
stronger analytical skills and general business skills so they may
properly evaluate a business’ ability to repay debt and thrive.

If you are a lending manager, do you agree?
If so, what are you planning to do as soon as the dust settles to strenthen loan officers analytical and general business skills?

If you are a loan officer, do you agree?
Would you feel more comfortable, confident and competent (the new 3 C’s of lending) if you knew more about business?


New eCourses for analysis and business/professional skills:
Would it be way too self serving of me to point out that the eCourses I am busy creating are designed for one purpose? They are to increase analytical and business/professional skills so that lenders can say “yes” to good loans.

I thought not! ‘-) You’ll find them at

You can try before you buy because some of them are
Thumbnail image for Free.PNG

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.