Commercial Lending Review articles from June 2001

Commercial Lending Review archives from June 2001

Loan Officers Are from Mars ...(finance)(Brief Article)
June 22, 2001... Loan officers and loan administrators. Street cops and desk supervisors. Even, as Oscar Hammerstein famously exhorted in Oklahoma!, the farmer and the cowman. They should be friends. They have common goals. Why can't they get along? As I...

Valuing Cyclical Companies.(disconted cash flow)(Statistical Data Included)
June 22, 2001... Companies in industries prone to significant swings in profitability present special difficulties for managers and investors trying to understand how they should be valued. In extreme cases, companies in these so-called cyclical...

Bridging the Gap between Loan Operations and the Lending Area.
June 22, 2001... * Those Loan Operations folks just don't get it. My customer needs to get this deal booked today. I can't be worried about all their silly deadlines. * Sure--the lenders get to go home at 5:00 while we are stuck here until all hours...

Eleven Things Corporations Want from Banks.
June 22, 2001... It is a hard time for both corporate financial staffs and the banks that serve them. As technology opens up the world, both banks and corporates are faced with not only new opportunities but also increasing competition from around the globe....

The Future of Wholesale Banking: The Portal.(internet)
June 22, 2001... Wholesale banks are broadening their online offerings by providing content and services in addition to banking transactions to enrich their clients' portfolios and encourage customer loyalty. In an attempt to solidify and expand customer...

Special Purpose/Special Problems.(real estate)
June 22, 2001... When a 32-acre southern California water park filed for bankruptcy protection a few years ago and then closed the park for the season, it would have been easy for the lender to call it a day. Facilities were in a state of disrepair, cash flow...

Small-Business Lending Trends and Commercial Bank Performance.(Statistical Data Included)
June 22, 2001... Economic growth and competition for consumer and corporate loans have led to an overall increase in small-business lending by commercial banks. The total amount invested in nonagricultural commercial and industrial (C&I) loans of under $250,000...

E-Commerce and Community Banking.(Statistical Data Included)
June 22, 2001... While buzzwords like e-commerce and Internet banking are used interchangeably, Internet banking should be just a piece of a community bank's overall e-commerce strategy. "Commerce" by definition is an interchange of ideas. It's also a buying or...

Are Your Borrowers Prepared for Euro Conversion?(Statistical Data Included)
June 22, 2001... On January 1, 2002, a dozen European nations will start doing all of their business transactions in euros. Many North American companies will discover that they cannot comply with demands to do business and pay taxes in euros. This article...

Real-Time Processing and the Impact upon Commercial Loan Operations.
June 22, 2001... For years most banks have processed their commercial loans in a batch environment, meaning that daily transactions such as new loans, payments, and renewals have been entered onto their systems in a way that allows them to see the effect of...

Old Rules for the New Economy: A Return to Business Fundamentals.
June 22, 2001... There is little doubt that the economy is dipping downward. Companies have announced earnings shortfalls. Pink slips are proliferating. Consumer confidence has plummeted to the lowest level since 1996. For many lenders, market conditions...

FASB Proposes New Guidance on Debt/Equity Instruments.
June 22, 2001... The Financial Accounting Standards Board (FASB) recently issued an exposure draft of a proposed Statement of Financial Accounting Standards (SFAS), "Accounting for Financial Instruments with Characteristics of Liabilities, Equity, or Both," in...