Author Archives: Contributing Author

Income Capitalization Approach for Commercial Real Estate Lenders

When I interviewed for a credit analyst position more than ten years ago for a previous employer, I met with two people. The first meeting was with the Credit Manager, and the second meeting was with the Chief Credit Officer … Continue reading

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Field Audits in Asset Based Lending. Definition and Example.

Asset Based Lending or “ABL” has grown in popularity, and is now the number one method of financing working capital for middle market business borrowers {middle market defined as those business entities with sales between $20 Million and $1 Billion … Continue reading

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Stress Testing Income Property – Commercial Underwriting

One of the shortcomings that I have noticed in small community bank’s credit underwriting has been the lack of analysis depth on loan requests to finance income producing property. Regulators expect bank lenders to do a good job assessing the … Continue reading

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LIBOR Manipulation – It only takes one bad apple.

Although we are still a couple of months before 2012 is part of history and there is still a chance that a bigger financial story will appear, I think I will always remember 2012 as the year where widespread manipulation … Continue reading

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Choosing the RIGHT Credit Card

Credit cards are important. They help people build up their credit score, make it easy to make purchases and often come with some serious rewards and benefits. However, there are many cards from which to choose. Understanding different companies’ and … Continue reading

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