Commercial Lending Review articles from March 2002

Commercial Lending Review archives from March 2002

For troubled borrowers, what's the story?
March 1, 2002... With this issue, Aspen Publishers, Inc. becomes the publisher of Commercial Lending Review. Aspen is a leading publisher of quality informational materials for the legal, accounting, and tax markets. As a member of the Aspen family of...

A framework to mitigate the risks of bridge lending.(Statistical Data Included)
March 1, 2002... Bridge loans represent credits extended to firms before finalizing their capital structure. They were extensively used during the 1990s to fund acquisitions and to fuel the growth of telephone, media, and technology (TMT) industries. Volatile...

Stress testing a commercial loan portfolio.
March 1, 2002... As the tools and practices of credit-risk management have grown in sophistication in recent years, new demands are being placed on the industry. Regulators, analysts, shareholders, directors: All are expecting to see progress in applying the...

Finding the key to sales excellence: what do high performers do?
March 1, 2002... The value of a high-performing banker in the small-business arena has never been greater. In the current economic environment, most banks are finding it increasingly difficult to meet their revenue-, loan-, and deposit-growth goals. What...

Workouts and forbearances: the lender's perspective.
March 1, 2002... Over the past 18 months, banks and other financial institutions have experienced a marked increase in the number of troubled loans in their portfolios. When a borrower defaults on a loan, the lender must determine whether to waive the default,...

The growing use of liquidating trusts in Chapter 11 cases: practical considerations.
March 1, 2002... Creditors in Chapter 11 cases are often faced with a debtor who proposes to liquidate some or all of its assets. The debtor may propose a liquidating plan or may be merely closing an unprofitable line of business as part of a reorganization or...

Financial projections: a useful tool for lenders. (Credit Analysis).
March 1, 2002... Lenders can use a wide variety of tools to assess the creditworthiness of businesses. Analyzing historical financial statements, calculating performance ratios, using computerized spreadsheet packages, and making comparisons to industry...

Can bankruptcy be avoided? (Workouts).
March 1, 2002... When a lender sees a business with $100 million in debt, falling revenue, major losses, and a declining industry, the obvious solution might be to call the loan. By this point, the lender has lost confidence in management and is focused on...

FASB issues Accounting Guidance for the Impairment or Disposal of Long-Lived Assets. (Accounting).(Financial Accounting Standards Board )
March 1, 2002... The Financial Accounting Standards Board (FASB) recently issued Statement of Financial Accounting Standards (SFAS) No. 144, "Accounting for the Impairment or Disposal of Long-Lived Assets," to address financial accounting and reporting issues...

Using planning to improve communication and performance. (Community Banking).
March 1, 2002... Communication is the biggest challenge facing all management. To be effective, good managers need to constantly improve the quality and effectiveness of their communication. Your primary communications are with senior management and your staff....