Commercial Lending Review articles from June 2000

Commercial Lending Review archives from June 2000

Insights for Energy Lenders.(Brief Article)
June 22, 2000... It's hard to think of a more famously boom-or-bust industry than oil and gas. Despite ever more sophisticated efforts to manage supply and demand, unexpected factors always seem able to derail the most careful projections. Just last March, for...

Complexities in Lending to Independent Oil and Gas Exploration and Production Companies.
June 22, 2000... The oil and gas industry has a long history of successes and failures. The industry's landscape has changed repeatedly in response to competitive, political, and legislative pressures. As demand for energy continues to grow, oil and gas...

Minimizing Risk n Energy Project Financing.
June 22, 2000... TO meet the needs of commercial and industrial customers, energy services providers are required to undertake a more active role in the development, financing, ownership, and management of energy-related projects. This article focuses on the...

The Future of Credit-Risk-Management Technology.
June 22, 2000... Although credit risk is certainly not a new phenomenon, the global financial services industry has recently turned its attention to finding new ways to manage it. Several recent occurrences have contributed to this trend. The recent release by...

Similarities and Differences between Public and Private Firm Risk.
June 22, 2000... Does a leverage ratio of 60% mean the same thing for Bob's Computer Warehouse as it does for IBM? This question is relevant to any lender who evaluates credit exposures that span traditional market segments such as small business, middle...

Early Signs of Financial Distress in Health Care Organizations.
June 22, 2000... TIMOTHY P. CZMIEL is a principal and managing director in the Financial Recovery Services practice of BDO Seidman, LLP. ARTHUR R. NEMIROFF is a partner and national director for the Healthcare Advisory Services practice of BDO Seidman, LLP....

Refining Credit-Review Policy for Small Business.(Statistical Data Included)
June 22, 2000... The most difficult task in loan underwriting is to determine the quality of the obligor so you can make your loan decisions wisely. To keep the loan volume high but the delinquency rate low is the key of bank lending business. There are lots of...

Assuring the Adequacy of Loan-Loss Reserves: Principles for Community Financial Institutions.
June 22, 2000... For more than a year, the loan-loss-reserving practices of financial institutions have been subject to intense scrutiny. The Securities and Exchange Commission (SEC), concerned that banks are managing earnings through loan-loss reserve...

The Impact of Leasing on Lenders' Evaluations of Firms' Debt Levels.(Statistical Data Included)
June 22, 2000... For a variety of business reasons, most firms lease at least some of their property, plant, and equipment. In many cases, a majority, or even all, of an airline's planes or a retailer's stores are leased. For lenders attempting to evaluate...

New Challenges in Smart Markets.(Statistical Data Included)
June 22, 2000... A recent survey of small-business practices by the Consumer Bankers' Association(1) revealed two startling facts that should give bankers pause. First, fewer than half of the banks surveyed can measure the profitability of this line of...

Subprime Lending Draws Fire from Regulators.
June 22, 2000... Subprime lending has attracted a great deal of attention in recent months, and not just from banks in search of new lucrative product lines. The sub-prime market has seen record activity in the last year, both from traditional lenders rushing...

Accounting for Obligations Associated with the Retirement of Long-Lived Assets.
June 22, 2000... On February 17, 2000, the Financial Accounting Standards Board (FASB) issued a revised exposure draft of a proposed Statement of Financial Accounting Standards (SFAS), "Accounting for Obligations Associated with the Retirement of Long-Lived...