Commercial Lending Review articles from November 2002

Commercial Lending Review archives from November 2002

Canaries in the mineshaft.
November 1, 2002... Is it over yet? Have we heard all the bad news about corporate malfeasance and accounting manipulation? Is most of the bad news out in the open? Or is there more to come? For lenders examining prospective borrowers or making decisions...

Commercial lending revenue growth in the knowledge economy: the importance of intellectual property.
November 1, 2002... From which quarter will new, high-quality, commercial loan growth come? Commercial banks increasingly face stagnant to declining markets for their traditional commercial loan products for two reasons. First, companies in the likely growth...

Making credit analysis an organizational priority.(Brief Article)
November 1, 2002... The financial world has been rocked in the last year by numerous large-scale defaults, bankruptcies, and even arrests due to financial misdealing and fraud. Banks have borne their share of the losses associated with these disasters. While...

Which firms are likely to survive Chapter 11?(characteristics of firms that survive bankruptcy, survival rates for companies in bankruptcy, tips for commerical lenders)
November 1, 2002... With the current rash of corporate bankruptcy filings, banks and other commercial lenders face even greater pressure to evaluate the collection risk associated with their loans. Lenders must assess collection risk not only at the time of the...

Understanding leases: tax issues.
November 1, 2002... For many years, leasing has been a popular way to finance the acquisition of various types of assets. Leasing has financial effects on both the lessor and lessee. In the September 2002 issue of Commercial Lending Review, we reviewed the...

Maximizing small-business relationships.
November 1, 2002... The small-business relationship should be more than a credit relationship. By examining different aspects of the small-business relationship, commercial bankers can increase their bank's revenue and profitability. Loan officers should carefully...

Borrower education reduces lenders' risks. (Small Business).
November 1, 2002... In recent years the technological revolution has driven the banking industry to accomplish tasks faster and cheaper. In many areas, new applications have provided much needed cost savings and efficiencies. If a bank is building its portfolio by...

Call preparation for the manufacturing industry. (Relationship Management).
November 1, 2002... When I worked as a commercial banker, one of the most exciting aspects of my job was learning how niche-manufacturing companies do business. Many of the CEOs I worked with were former engineers who learned how to add value to some material and...

Accounting for costs associated with exit or disposal activities. (Accounting).
November 1, 2002... The Financial Accounting Standards Board (FASB) recently issued Statement of Financial Accounting Standards (SFAS) No. 146, "Accounting for Costs Associated with Exit or Disposal Activities," to provide guidance for the financial accounting and...

Seven steps to a smart, legal document retention policy. (Lender Liability).
November 1, 2002... Events in recent months have demonstrated the importance of a legal, comprehensive document retention policy. Here are steps every corporation should take to make sure your policy meets your needs and complies with the law. Step 1. Recognize...