the Right Training at a Time that's Right for You!
Less time away from the
office in 2010, more time focused on the right training!
Multiple Commercial & Consumer Lending classes
start April 19 (or start a Guided Self-Study Course at any
time of your choosing). The Center for Financial Training and
WIB offer professional training for the independent community
banker in the West. Learn
David Rosenthal, Curtis-Rosenthal, Inc.
conditions in the capital markets and deteriorating property
fundamentals continue to put stress on commercial real estate
loan portfolios. Regulatory requirements and internal bank
policies often require reviewing the value of underlying real
estate assets to support making prudent business decisions.
Various concepts of value have evolved to respond to differing
business situations. It is important to understand and clarify
what type of value estimates are necessary based on the
business problem to be solved.
Personal Guarantees Under California Law
Grant K. Riley, Riley & Associates CA/NV
successful work out of a problem loan secured by California
real estate is oftentimes the function of multiple variables.
A practical assessment of the borrower's financial situation,
the value of the underlying collateral and borrower integrity
are all factors that can spell the difference between a payoff
and a loss. But what about those loans where the borrower and
its principals have decided to snub their noses at the bank in
lieu of repayment?
and Managing Real Estate Loan Defaults: A Best-Practices
Richard K. Hollowell, BBK
residential CRE loan defaults appear to have subsided, experts
point to uncertainty surrounding over $1 trillion of CRE loans
held by banks which will mature over the next four years. In
anticipation of a new wave of loan restructurings, the time to
act is now. Best practices allowing the bank to better
anticipate and manage loan defaults can be summarized in four
key points. <read
Value Requires Creating a Winning Strategy
Richard A. Marquis, RMC Advisors
with your borrower have been unsuccessful and you are now
preparing to foreclosure on the collateral. This article, the
first in a four-part series, highlights the steps lenders
should take to develop practical and viable solutions to
create value for their commercial OREO. <read
Loss Reserving on an Adversely-Graded Loan?
Jeremy D. Taylor, President of AuditOne LLC
reserving on an adversely-graded loan? Yes. In fact, it’s
required …intuition notwithstanding. It’s a direct outcome
of the regulatory requirement (and examiner expectation) that
all SFAS 114 impaired amounts be charged off immediately,
rather than added to the ALLL contra account balance as a
specific reserve. So it’s less of an anomaly than it first
Management and Commercial Real Estate Workouts: Are
Darren Touchton & Jay Jennings, Harland Financial
recently released Policy Statement on Prudent Commercial Real
Estate Loan Workouts offers potential benefits to institutions
with troubled Commercial Real Estate loans. Those benefits
cannot be realized unless a bank can demonstrate risk
management capabilities by having solid credit risk
management practices in place to analyze commercial real
estate credit concentrations and the potential risk. <read
Increased Regulatory Examinations: Best Practices for the
Director Loan Committee
Marc Daniels, Diligent Board Member Services, Inc.
examinations by the many different regulatory bodies have
significantly increased over the past year. CEOs expressed
their growing concern over the issue at a recent luncheon,
where they shared stories about the frequency and resource
demands of these examinations. Understanding the depths of
loan-by-loan analysis truly drives home the need to ensure
that banks have sound corporate governance policies in place
for the Director Loan Committee. <read