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Jul 16
2009
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When—and how—can a bank be like a brontosaurus?
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| Ed O'Leary's Blog | |
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Jul 09
2009
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Can your bank stand up to Ed O'Leary's Credit Culture Audit?
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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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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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