Banking
Showing 1–16 of 516 results
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Evaluate your borrowers in the aftermath of a cyberattack
August / September 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 401
Abstract: When lending to a business that has just suffered a cyberattack, a lender needs to evaluate the extent of the attack, how the borrower responded and the implications for the business’s long-term health. This article lists some ways a lender can get a sense of the scope and severity of an attack. It also points out that lenders need to ensure they are lending to businesses with the appropriate security in place to prevent and detect subsequent attacks.
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Code red! Recognize the symptoms of financial distress
August / September 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 656
Abstract: Many businesses are still reeling from the economic downturn triggered by the COVID-19 pandemic. Lenders need to distinguish those businesses whose financial troubles are temporary from those whose operations signal insolvency or other serious problems. This article offers a refresher on the typical warning signs of a borrower’s financial distress, including problems with working capital, credit lines and collateral values.
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What are the best analytic tools in a down economy?
August / September 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 641
Abstract: In an uncertain economy, lenders need to use all possible methods available to help analyze and evaluate potential and current borrowers’ financial health going forward. This article highlights two useful approaches to add to the mix: breakeven analysis and burn rate. These techniques can help lenders determine how stable and likely to prosper their borrowers are.
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Turning on a dime – How to evaluate borrowers pivoting due to COVID-19
August / September 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 845
Abstract: As a result of the COVID-19 pandemic and the ensuing relief legislation, including the Coronavirus Aid, Relief, and Economic Security (CARES) Act, many businesses have pivoted to reposition themselves and take advantage of new opportunities and directions to pursue. This article notes that lenders will have to pivot as well and offers suggestions on how they can evaluate borrowers’ pivot strategies to ensure that loans to these borrowers remain profitable. A sidebar suggests some ways lenders can help their borrowers rebuild financial strength.
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Bank Wire
Summer 2020
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 436
Abstract: This brief summary of recent developments in community banking explains that the federal banking agencies have issued a rule temporarily offering appraisal relief to real estate transactions affected by the coronavirus (COVID-19) national emergency. It also notes that the Federal Reserve Board has relaxed a restriction on savings accounts transfers and points out that the Coronavirus Aid, Relief, and Economic Security (CARES) Act defers payroll taxes, also temporarily. Finally, the article discusses the results of a recent survey of community banks.
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Will CECL affect your incentive compensation plans?
Summer 2020
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 561
Abstract: For most community banks, the current expected credit loss (CECL) model doesn’t take effect until 2023. Nevertheless, given the impact on banks’ financial statements and accounting processes, it’s a good idea to start preparing as early as possible. This article points out that it’s important for banks to understand CECL’s potential impact on incentive compensation plans. It discusses the impact of the new rules and what steps banks should take to prepare to implement the rules.
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Take steps now to handle liquidity risk
Summer 2020
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 632
Abstract: As a result of the coronavirus (COVID-19) pandemic, businesses and banks are suffering under nearly unprecedented economic pressures that are likely to play out for some time. This article notes that it’s more important than ever for community banks to set up appropriate strategies, policies, procedures and limits to manage and mitigate their liquidity risk. These may include ensuring effective board and management oversight and implementing appropriate liquidity risk measurement and monitoring systems, among other steps.
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Keeping credit viable during a crisis – CARES Act helps community banks assist their borrowers
Summer 2020
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 883
Abstract: In response to the coronavirus (COVID-19) pandemic’s negative impact on the U.S. and global economies, federal lawmakers have taken a number of steps to stimulate the economy and sustain credit flow — including passing the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This article discusses several of the act’s provisions designed to help community banks extend credit to struggling businesses and individuals. A sidebar looks at whether banks might be entitled to refunds of prior years’ taxes.
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7 ways to improve business credit ratings
June / July 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 419
Abstract: While businesses continue to struggle with the ramifications of coronavirus (COVID-19), banks continue to receive applications for traditional loans. Some may meet lending criteria, but others may fall short due to the impact of the pandemic. This article offers seven simple steps loan applicants can take to meet an institution’s credit standards.
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Know the warning signs – Monitoring accounts receivable can minimize default risk
June / July 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 656
Abstract: Accounts receivable represent the amount of money that customers owe a borrower for purchases. If a borrower pledges accounts receivable as collateral to qualify for a loan or line of credit, the lender typically claims them to cover losses if the borrower defaults on repaying its debts. But poorly maintained or fraudulent balances hobble lenders’ ability to recover losses. This article discusses the importance of monitoring borrowers’ accounts receivable to ensure they’re legitimate and collectible.
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How to help borrowers build long-term value
June / July 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 602
Abstract: Bringing fresh ideas and concepts to the market is how entrepreneurs succeed. But sustaining that success over time requires a different mindset. This article offers some ways to help borrowers transition to long-term sustainability and growth, such as creating business plans and developing marketing and branding strategies.
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Should you lend to a business with a track record of lawsuits?
June / July 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 821
Abstract: Businesses may be subject to lawsuits for a multitude of reasons. While a lawsuit doesn’t, in and of itself, mean that the business or its leadership engaged in wrongdoing, it could affect the degree of inherent risk associated with any lending arrangements. This article suggests four steps lenders can take to evaluate the risk associated with pending lawsuits. The steps can help determine whether it makes sense to proceed with a prospective borrower’s application. A short sidebar discusses questions to ask about current and previous litigation to help understand the legal risk a prospective borrower faces.
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License vs. franchise: What’s the difference?
April / May 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 395
Abstract: Some businesses choose to license, rather than franchise, their products or services. Although licensing generally requires less cash to support and maintain than franchising, a licensor may still need access to some capital to support future business aspirations. This article explains that, while a license agreement may be a borrower’s best option, each situation needs to be assessed on a case-by-case basis. It also notes that, before lending to a licensor, the lender should review the current licensing agreements.
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A dashboard report sheds light on a loan’s viability
April / May 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 552
Abstract: Sorting through a collection of complex and disparate financial data to discern what’s most pertinent to a loan portfolio is both an art and a science. A periodic dashboard report can shed light on potential trouble spots — before it’s too late. This article explains how dashboard reports provide timely, relevant input that can help lenders evaluate the financial status of a borrower, especially if they have specific concerns about the company’s viability.
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Think long-term – Relationships are key to retaining borrowers
April / May 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 573
Abstract: Online banking is trending and becoming a watchword. Traditional bankers or lenders might be scrambling to catch up and implement the latest technology. But while technology is important, good, old-fashioned relationship building is often the most effective approach to retaining borrowers over time. This article discusses ways lenders can build those relationships, including staying alert for refinancing options or more borrowing opportunities — and keeping in touch with borrowers regularly.
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The pros and cons of lending to a dying business sector
April / May 2020
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 825
Abstract: A business in a dying industry sector doesn’t fail overnight — it might take years to reach the point where it can no longer operate as a going concern. In the meantime, it likely will need access to debt capital. This article discusses when it might make sense to lend to a business in a dying sector, and how lenders can maximize loan profitability while mitigating the risk. A sidebar lists some of the signs that a mature business sector faces a questionable future.