Categories for General

CONSTRUCTION LENDING

After years of little to no construction lending, construction lending is starting to make a comeback. It’s now becoming a more frequent a topic of our loan review engagements. That’s why it’s time to dust off the construction lending policy! [read more...]

IN GOOD TIMES AND IN BAD …

Bankers are, by the very nature of what they do, risk managers. I was given a fairly straight-forward definition of how a financial institution works when just starting in the industry. My manager laid it out in a perfectly clear [read more...]

Blocking and Tackling

As with the sports and meteorological seasons, banking cycles are apt to change and echo themselves. Just when they almost forgotten, the Denver Broncos and Peyton Manning found a way to make themselves relevant again in 2015 with the Broncos [read more...]

LET US REMAIN VIGILANT

As I contemplate the directions to take this blog, all I can start with is WOW! Peter Nugent, the founder and co-owner of Enlighten Financial, recently reviewed the resume of a candidate applying for a position at an organization for [read more...]

FDIC SUPERVISORY INSIGHTS, WINTER 2015

In fall 2009, the FDIC implemented an examiner survey to assess the level of risk and quality of underwriting for loan portfolios, among other items. The FDIC recently released its most recent results of this survey in their Winter 2015 [read more...]

TO BE ‘AS STABILIZED’ OR NOT TO BE ‘AS STABILIZED’

Bankers have long known to use the appraised valuation that best represents the phase or status being financed for a commercial real estate (CRE) acquisition, development and construction (ADC) loan. The valuation should provide an opinion of the highest and [read more...]