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Journal of Commercial Lending back issues
Municipal Bankruptcy: A Chapter 9 Primer
December 1, 1995... The need for municipal bankruptcy legislation in the U.S. first emerged in the Great Depression, as thousands of local governments lacked the revenue to meet their bond obligations because taxpayers were unable to pay their taxes. These municipalities had no authority to seek bankruptcy...
Building an Effective Loan Review Process
December 1, 1995... Finding an affordable and effective loan review process is one of the many current challenges community bankers must resolve. The comfort level attained by quantifying and reserving for loan portfolio risk is short lived unless both the loan review process and its product are accepted by both...
A Loan Pricing Case Study
December 1, 1995... Over the years, banks have been criticized for pricing loans to their best customers too high and loans to their worst or riskiest customers too low. In fact, a survey of credit practices at 100 of the largest U.S. banks supports this contention. The survey revealed that loan approval and...
An Update on Small Business Loan Securitization
December 1, 1995... In Casablanca, Capt. Renault orders his men to "round up the usual suspects" in an attempt to solve a murder. In the early 1980s, policymakers took a similar tactic in trying to identify the causes of the "credit crunch." During the roundup, bank regulators were excoriated for being overzealous...
December 1, 1995... Welcome to the brave new world of bionic banking. It's a world in which banks are making their limited supply of expensive, high-talent bankers more powerful by combining them with technology to enable them to sell better, service faster, and make smarter decisions. These new "Six-Million Dollar"...