Commercial Lending Review articles from January 1 2008

Commercial Lending Review archives from January 1 2008

Marketing science: the new chemistry in middle-market commercial banking: banks can use analytically based strategies to improve relationship manager productivity.
January 1, 2008... A long-standing challenge in middle-market commercial banking is making the best use relationship managers (RMs). Directly interacting with customers, these field representatives play the most visible role in generating balances and revenues....

Suppliers' vulnerability from extensions of credit to retailer major customers: unpaid or slowly paying receivables are another risk posed by customers that account for 10 percent or more of revenue.
January 1, 2008... Increased concentration at the retail level has made it more likely that significant portions of a supplier's sales are made to two or three large customers. As a result, suppliers have become more vulnerable to sizable, sudden reductions or...

Asset-based lending at the end of the era of easy credit: best practices for a return to credit discipline.(Company overview)
January 1, 2008... Over the past decade, global economic expansion and money supply growth unleashed a seemingly endless flood of liquidity into the United States. Fueled by low interest rates and unregulated, easy credit, much of the incremental liquidity was...

Credit offers to small and medium-size businesses: an overview of considerations that influence the decision process of an active lender with regard to commercial loans and trade credit.
January 1, 2008... Commercial loans and trade credit are necessary to allow companies to go beyond the limitations of the reinvestment of earnings and to avoid financing by issuing stock. Their importance can be illustrated by the fact that in 1993, nearly half...

Potential impact of the subprime lending crisis on community banks: both good and bad possibilities loom if the credit cycle takes a downturn.(COMMUNITY BANKING)
January 1, 2008... As this article was being written, the subprime mortgage lending crisis was in the news every day. The bad news was coming from mortgage banking firms, large banks with investment banking losses from subprime mortgage-backed securities and...

Lending to pet stores: changing attitudes toward pets mean higher spending.(RELATIONSHIP MANAGEMENT)
January 1, 2008... The U.S. pet and pet supply store industry is an interesting field for commercial bankers to explore. Fueled by unprecedented growth in pet ownership, pet store chains and franchises have introduced superstores rapidly since the early 1990s....

Protect your assets with due diligence: the most successful deals are those that have a predetermined exit strategy in place before closing.(CREDIT ANALYSIS)(Financial report)
January 1, 2008... In this fast-paced world of new loan competition (formerly excess liquidity--currently wild volatility), sales, mergers and acquisitions, due diligence is often viewed as a stepchild to the anticipated increases in asset values and fees to be...

Thomas Edison: genius inventor or clueless businessman? A cautionary tale for commercial lenders.
January 1, 2008... In December 2006, THE ATLANTIC ran a cover story titled The 100 Most Influential Americans of All Time. Selected by a panel of 10 distinguished historians, the list was admittedly unscientific and beset by a number of challenges, for example,...