The Coronavirus Pandemic Credit Conversation: How to Reach Out Now | Podcast
In this episode, we key in on what we are calling the ‘pandemic credit conversation’. This is the time to step forward and call your borrowers. But what do you say? How do you start the conversation...
View ArticlePass-Through from a K-1: Count Qualified Dividends?
Amy’s question: If a 1065 K-1 reports qualified dividends paid to an individual partner in the amount of $50,000, and that same amount is shown on the partner’s 1040 tax return, schedule B, is this...
View ArticleProspecting in THIS Recession? Turn Uncertainty Into Your Competitive Advantage
Every recession has it’s own signature challenges. And in every recession, some business, and some banks, come out even stronger than they went in. Others recover more quickly. The difference, often,...
View ArticleFocus on Finance: Key Strategy Questions for your Business Borrowers | Joel...
What are (or should) our most successful business clients be considering now to solidify their successful transition …or to recover … from the challenges of the pandemic recession. In this episode, we...
View ArticleThe Six Stages of Crisis: Where Is Your Borrower Stuck? | Mary C. Kelly
In this episode, we will help you identify a borrower in crisis. Do they know they are in crisis? What stage are they in? Where are they stuck? How can you help them get unstuck? You can use this...
View ArticleBusiness Know-How: Key Strategy Questions for Your Business Borrowers | Joel...
In this episode, we are going to learn what our most successful business clients are (or should be) considering now to solidify their successful transition — or to recover — from the challenges of the...
View ArticleRisk Appetite: How the Board Decides, Defines, and Communicates Their Choice...
Risk appetite is a responsibility of both the Board of Directors and of Management. How exactly does it get decided, defined and communicated? How do Directors and Management insure they are in sync?...
View ArticleLeadership Succession Planning for Business and Banking | Mary C. Kelly
How does the lender recognize that a business is (or should be) in leadership succession mode? How long before the owner plans to exit should they start this process? What are the steps? How has the...
View ArticleHow ‘Invisible Capital’ Helps Your Business Borrowers Succeed | Joel Block
Learn what our most successful business clients are (or should be) considering now to solidify their successful transition …or to recover … from the challenges of the pandemic recession. We focus on...
View ArticleGauges the Board and Management Should Be Watching While Emerging From the...
As we emerge from the Global Pandemic Recession, the Board and Management have critical indicators to watch closely. Some of them are the usual, some of them are specific to recovery from a recession....
View ArticleFuturenomics: The Snapshot You Need to See Today | Mary C. Kelly
The economy is in freefall, or chugging right along, or recovering…depending on who you listen to, who you are and what business you are in. Perhaps today’s news headlines have your stomach in knots....
View ArticleHigher Expectations in Virtual Meetings: Are You Ready? | Allison Shapira
As we get ‘back to work’, expectations for polish and impact in virtual meetings will go up. The casual, lowered expectations during the recession will be replaced by an assumption that you are back in...
View ArticleSales and Marketing: Strategy Questions to Help (and Assess) Your Business...
Success in business is dependent on success in sales and marketing. In this episode we will tackle three key strategies successful businesses employ. If you lend to businesses or business owners,...
View ArticlePushing Out of Your Comfort Zone: How to Master Difficult Conversations in a...
You need to: reach out to your borrowers, in tough times and in triumph. present your ideas to your mentor lender, or the loan committee, in a way that accomplishes your goals and advances your career....
View ArticlePrudent Pandemic Loan Concessions: How Will the Regulators See It? How Can We...
How are the regulators approaching examinations with 2020 in the rear-view mirror? Is it the same or different than past examinations? And how will it change as we start into a recovery? We cover why...
View ArticleCredit Risk Review in (and Out of) a Pandemic Recession | Ancin Cooley
Loan review is always an important risk management function. Some would say it becomes more important in turbulent times. I would say that good loan review practices even when we are on easy street,...
View ArticleRisk Appetite: The Battle between Lending & Credit (and how both can win) |...
Lending and Credit have a different outlook on risk. Sometimes it seems like a battle. And yet, both groups need a volume of performing loans to carry the day. Today we’ll look at how risk appetite,...
View ArticleCash vs Property K-1 Distributions: Which do you count?
Tim’s question: Previously the Federal IRS business tax returns would indicate whether a “distribution” was cash or property. There have been some changes to the K-1 in 2020/2021. Is there another area...
View ArticleWhen to use K-1 Pass-Thru Income for Personal/Owner Analysis?
Ron’s question:I am a commercial real estate lender for a small bank. In the past I’ve always used the pass-thru income from real estate entity LLCs as part of the calculation of personal cashflow of a...
View ArticleNew rules for meals and entertainment may change your cashflow analysis
Ron’s question: Is entertainment still deductible? If not, where do I find it? Linda’s answer: This is a timely question since there have been significant changes. Starting in October 2020, the IRS...
View Article