Ed O'Leary's Blog
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Apr 08
2009

CAUGHT IN A VISE OF MIXED MESSAGES

Posted by Ed O'Leary in Talking Credit
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

WHAT’S CHANGED IN COMMUNITY BANK LENDING TODAY, AND HOW IT COULD CHANGE AGAIN AS CONGRESS TINKERS

Posted by Ed O'Leary in Talking Credit
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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Feb 22
2009

TURNING THE TABLES ON THE MOST IMPORTANT "C" IN THE FIVE C'S OF CREDIT—AND WHY IT'S MORE IMPORTANT

Posted by Ed O'Leary in Talking Credit
The Five Cs of Credit have been a durable way of teaching credit principles to bankers for many years. Bankers are taught that the first and most important C is Character, the overarching qualification for an applicant to receive credit. Today there are implications concerning Character for both sides of the loan desk.
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Feb 11
2009

Some Words of Advice To Young Lenders Trying To Get It Right�And To Those Who Can Help Them Do So

Posted by Ed O'Leary in Talking Credit
The credit quality results of the last few years are particularly discouraging to those who are charged with the responsibilities of maintaining their bank’s portfolios relatively free of problems. How will younger lenders ever learn the right way to run a portfolio?

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Feb 10
2009

Time For A Refresher On The 5 C�s Of Credit?

Posted by Ed O'Leary in Talking Credit
Take Ed O’Leary’s 30-second credit test 
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Feb 09
2009

Today's Credit Challenges And The Younger Generation: What Will They Learn

Posted by Ed O'Leary in Talking Credit
Everyone’s going to be learning from today’s credit cleanup. But how will today’s environment affect younger lenders?
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Jan 30
2009

Why Today�s Headlines Will Impact The Amount Of Lending Banks Do

Posted by Ed O'Leary in Talking Credit
Recent press reports concerning banking may be telling a story that’s different from the way we’ve been thinking about our industry the last several months.  Clearly the leading problem with the banks, especially the giants, has been the massive systemic failure to assess and manage bank balance sheet risk. 

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Jan 12
2009

AS THE CRISIS REMAKES THE CREDIT-GRANTING WORLD, COMMUNITY BANKS MAY COME INTO THEIR OWN

Posted by Ed O'Leary in Talking Credit
For the last few years our industry has experienced a “new order” of credit. Traditional underwriting standards were frequently waived, owing to “competitive conditions.” Banks were aggressively generating additional lending opportunities for both real-estate-related purposes as well as leveraged-buyout deals. How much of this so called “new order” will survive and how the new realities of the current economic and regulatory environment will impact the banking industry is not clear. We are in a period of economic and political change and the public’s view of financial institutions and their regulatory context are not yet clear.

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Jan 12
2009

A Talking Credit Essay: Why Community Banks May Come Into Their Own

Posted by Ed O'Leary in Talking Credit
For the last few years our industry has experienced a “new order” of credit. Traditional underwriting standards were frequently waived, owing to “competitive conditions.” Banks were aggressively generating additional lending opportunities for both real-estate-related purposes as well as leveraged-buyout deals. How much of this so called “new order” will survive and how the new realities of the current economic and regulatory environment will impact the banking industry is not clear. We are in a period of economic and political change and the public’s view of financial institutions and their regulatory context are not yet clear.

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Jan 09
2009

Does Your Bank�s Market View Jibe With What Customers Are Telling You?

Posted by Ed O'Leary in Talking Credit
A young lender with whom I used to work called me the other day to wish me a Happy New Year.  After getting caught up on kids, spouses, and the like, I asked him how loan demand was at his statewide affiliate of a large regional bank holding company.   

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