| inform. educate. connect. | Issue #8 - January 2010 |
|
Know Your Regulatory Environment In
today’s changing regulatory environment, its important to
stay on top of the changes and to fully understand how they
may impact you. I encourage you to consider WIB as your
resource to meet these needs. We have a number of
specific programs planned for 2010 which will help guide you
along the regulatory compliance path (from conferences to webinars to
workshops) as well as our Peer Exchange Conference Calls with
industry experts facilitating the calls. Kerry Curtis Credit
Co-Sourcing Part II: Why
to Expect More of It In order to highlight the competitive advantage of banks, textbooks have traditionally decomposed the lending function as follows: Origination is banks’ domain; servicing belongs to the high-volume, technology-intensive players (the Countrywides, etc.); and holding the assets, or at least the longer-term ones, gets assigned to those with access to more stable funding sources such as insurance companies and pension funds. However, things change. <read more> Avoiding
Mistakes in Commercial Loan Modifications and Forbearances Several common mistakes are made in the structuring and documentation of commercial loan modifications and forbearances. Some errors can result in the loss of lien priority, the release of guarantors or the creation of needless liability exposure. <read more> Finding
the Right Solution for a Problem CRE Loan The past three articles about Commercial Real Estate (CRE) problems have covered, a) methods and internal organizations to manage problem CRE loans; b) early risk identifiers and trends with CRE, and c) understanding your borrower, the market and the collateral of problem CRE’s. This fourth article pulls all this information together to determine and find the right solution for your problem CRE loans. <read more> Western Independent Banker Magazine Spotlight Identifying
Tomorrow’s Problem Loans Banks spend a great deal of time analyzing their loan portfolios to develop defensible levels for their Allowance for Loan & Lease Losses (ALLL). The objective here is to establish a reserve for losses inherent in the loan portfolio as of the reporting date. But as we’ve witnessed over the past couple of years, these collective analyses have consistently failed to capture the industry’s true loss exposure as economic conditions continued to deteriorate. Each quarter we’ve seen banks make significant additional provision expense to cover credit losses that were not anticipated in the previous quarter’s ALLL analysis. <read more> Risk
Management and Transition Strategies for OREO Assets Pro-active and successful transitions between lenders and their borrowers for various types of non-performing and OREO assets can be challenging in a down market. Good risk management practices combined with open minded creativity are necessary to either successfully work-out a project or effect the successful re-positioning and disposition following either a deed-in-lieu or outright foreclosure. <read more> |
||||
Take advantage of another valuable resource from WIB - the WIB Article Archives! You'll find a variety of articles on Lending & Credit, as well as other important topics! Click here to explore the WIB Article Archives Click here to view an electronic version of the latest issue |
|||||
