Bottoms up Stress Testing: How Front Line Lenders Can Reassess Current Loans...
We will focus on loan level stress testing with an understanding of pay vs save strategies, a variation of the matrix approach, questions to ask, and how to unwind if you have to. How to answer the...
View ArticleA Practical View of Regulatory Guidance and Prudent Lending | Podcast
In this episode, we zero in on the regulatory environment and the guidance regulatory agencies are providing as we have to move fast to try to protect our borrowers and our bank. Are we confident or...
View ArticleLoan Coding, CECL, and the Pandemic: Oh My! | Podcast
Dive into some of the details in loan coding, CECL and how they both are impacted by the pandemic. Segments are getting more granular, stress-testing needs a different approach, and qualitative...
View ArticleAwareness and Action in Banking Spurred by #BlackLivesMatter | Podcast
Banking has a role to play in pushing back against systemic racism. As law enforcement and health care communities work on overcoming racial bias and disparity, Laurie challenges those of us in banking...
View ArticleAvoiding the Drivers of CRE Default: 10 Lessons Learned From Banks That Failed
To understand the CRE drivers of default, where better to look than banks that failed in the Great Recession. We’ll run through ten recommendations from a CRE expert who went behind the scenes in banks...
View ArticleThe Silver Lining: Opportunities in Reopening and Recovery | Podcast
Through helpful questions and an understanding of the opportunities that do exist, lenders can help business borrowers with their reopening strategy and, as importantly, to take off the blinders and...
View ArticleThe Pandemic Recession: How to Shift Your Bank Strategy (Or Not) | Podcast
How should bank strategy shift in the challenging pandemic landscape? Have boards and leadership gotten complacent during the best of times? And what changes are opportunity-focused rather than just...
View ArticleRegulators and the Pandemic Recession: Guidance with Flexibility? | Podcast
In this episode, we focus on the regulators. What will they expect in order to demonstrate we are making ‘prudent’ judgments and identifying which borrowers or prospective borrowers are experiencing a...
View ArticleHow to Engage Clients and Get Buy-in With Couples, Business Partners, and...
In this episode, we consider how to create relationships and engage all parties to your financial services. This applies to a couple, business partners, or even parents and their adult children in...
View ArticleThe First ‘R’ of Triage Outcomes: Rehabilitate When Your Borrower Is Expected...
The concept of loan triage for problem loans is a hot topic during the pandemic-induced recession. In this episode, we will zero in on one result of the triage…Rehabilitate. The borrower is expected to...
View ArticleI Am Not Biased, or Am I? | Podcast
Today’s topic is Bias…your bias. Okay, and my bias. Confirmation bias is well understood in credit analysis, jumping to conclusions too quickly just because revenue is up…or down. But bias can rear its...
View ArticleHow the Director Role Must Shift in Times of Crisis | Podcast
We dive into the shifting role of the director during times of crisis. Specifically, we will focus on how to redraw the governance lines without getting into the weeds and throwing off the CEO. And...
View ArticleCRE Valuation and Appraisals: Who, When, and What Else | Podcast
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 How we...
View ArticleThe Pandemic Reality: How to Talk to Borrowers Who Are Stressed, Worried, and...
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 accustomed to...
View ArticleThe Second ‘R’ of Triage Outcomes: Restructure When Your Borrower Needs Help...
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...
View ArticleCRE Forbearance: The New ‘F’ Word in Banking. What About ‘J’? | Podcast
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...
View ArticleWhy Is It So Hard to Talk About Racism? | Podcast
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 so hard...
View ArticleDirector Duty of Care in a Major Credit Disruption | Podcast
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, you may have a...
View ArticleBanking and Lending to Women Entrepreneurs: Busting the Myths | Podcast
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 their...
View ArticleThe Third ‘R’ Of Triage Outcomes: Remove Yourself From the Lending...
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 yet,...
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