Commercial Lending Review articles from January 2005

Commercial Lending Review archives from January 2005

Setting the sticker price for credit.(commercial loan pricing)
January 1, 2005... Financial institutions have made great strides in protecting margins and managing risks in commercial lending, which is prone to fits of volatility that can sweep away the profits booked in better times. Loan pricing, for example, has advanced...

The relationship between supply-chain economies and large retailers' working capital.
January 1, 2005... Conventional wisdom suggests that increased sales concentration among retailers provides them with greater power over their suppliers. If retailers' increased clout allows them to reduce their inventories and stretch their accounts payable,...

Sales effectiveness and management systems: a practical plan for implementation success.
January 1, 2005... Implementing sales effectiveness and management systems is a good news/bad news story. The good news is--if you get it right--your sales effectiveness and management system will help make your financial services sales team a more formidable...

Signals from Sarbanes-Oxley for best practices in smaller borrowers.
January 1, 2005... The Sarbanes-Oxley Act of 2002 (SOX) is designed to protect investors and creditors of publicly traded entities against fraud. A credit analyst whose loan portfolio consists principally of small nonpublic entities might conclude, therefore,...

Credit risk management and bank size.
January 1, 2005... U.S. banks with total assets greater than $25 million are required to report loan-loss provisions on an accrual basis for regulatory reports. Loan-loss provisioning is an essential element of bank credit risk management. The provision...

Sales trends for 2005.(small business banking)
January 1, 2005... The auld langs have all been syned. The holiday wrappings and trappings are put away. Bankers now begin the 12-month marathon called 2005. The pundits and prognosticators will each put a spin on the next 12 months. Of course, no one's crystal...

Insights from the statement of cash flows.(credit analysis)
January 1, 2005... Lenders review the three main financial state-merits--the income statement, balance sheet and statement of cash flows--when making lending decisions. However, they generally concentrate their analysis using data drawn from the income statement...

Can this ownership and management group turn it around?(Workouts)
January 1, 2005... In mid-1997 a major East Coast bank loaned $20 million to a privately held defense contractor to refinance $11 million in existing debt and make a $9 million acquisition. The bank was successful bidder among six regional lenders competing for...

"Proceed On": conquering the unknown with Lewis & Clark.(Meriwether Lewis and William Clark)(business management methods)
January 1, 2005... Two hundred years ago, during the winter of 1804 to 1805, an infantry company of American soldiers set up camp along the Missouri River in what is now central North Dakota. Under the command of Captains Meriwether Lewis and William Clark, the...