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Jun 22
2009
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If General George S. Patton had been a loan officer, would you have assigned him with the bank's legal lending limit?
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Category >> Talking Credit
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Jun 17
2009
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Credit policies would seem to be a cornerstone of credit culture. And yet, a new report from FDIC calls that into question.
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Jun 11
2009
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Now we're going to get down to the central issue, credit culture, and I want to hear your thoughts on this as we go forward. The industry needs a dialog on credit culture now, while today's lessons can be freshly learned.
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Jun 01
2009
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Over the last generation or so, it has become almost an article of faith that a strong loan policy is the ultimate defense against poor loan quality. And banks and regulators take loan policies quite seriously. So where did all these bad loans come from?
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May 27
2009
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Should bankers try to define the sorts of analytical techniques that should be a standard part of any lending officer's skill set?
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May 21
2009
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Have your younger lenders been learning from the wrong people?
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May 13
2009
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A Stonier Graduate School of Banking thesis on credit training, written in the 1960s, opens with a thought that is as relevant today as it has ever been:
“An untrained lender is an insecure and unhappy person. At best, he or she is a walking tribute to bad public relations.”
“An untrained lender is an insecure and unhappy person. At best, he or she is a walking tribute to bad public relations.”
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Apr 15
2009
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Bankers are trained to be conservative. Ask virtually any borrower. And lenders normally pride themselves on being conservative and careful with their depositors’ money. But being conservative may not simply describe the way we lend money. A principal concern of the industry today is solvency risk—that the industry has sufficient capital. And this leads to an important train of thought for community bankers.
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Apr 08
2009
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CAUGHT IN A VISE OF MIXED MESSAGESPosted by Ed O’Leary in Talking Credit |
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As bankers we’ve had our share of conflicting messages the last several months. We’re getting political pressure to lend and pressure from examiners to be more conservative in the day-to-day application of our lending policies.
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Mar 19
2009
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Credits that could pass muster at most community banks 18 to 24 months ago cannot pass muster today. This is because community bankers have become very cautious due to the precipitous decline in business activity, while examiners have taken a strong but probably deserved stand on credit quality during recent community bank safety and soundness examinations. Could community banks have anticipated today’s malaise? And what does today’s trouble bode for future lending practices?
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