| inform. educate. connect. | Issue #5 - April 2009 |
|
Almost
every bank is facing the challenge of managing troubled
assets. The Troubled
Asset Forum – June 23-24, our newest credit-related
educational program, is being designed by bankers to
provide insights to today’s problem loan concerns. Our
speakers will be addressing these topics: Real estate
market conditions; How to make sure your appraisals reflect
reality; Workouts – Managing the process cost-effectively;
Legal aspects of workouts; Valuation - Dealing with Fas 5 and
114; and What to expect when selling loans. There will
be two banker only peer sessions to learn from shared
experiences. In addition you’ll be able to visit with firms
that can help you deal with your troubled assets in our
two Speed Networking sessions. Registration
is now open. Small
Business Deposits – Capturing Your Fair Share Small businesses can provide an excellent, more predictable source of deposits. If your bank hasn’t targeted small businesses, or perhaps hasn’t gained much traction, there’s never been a better time to revisit strategies to effectively tap this valuable resource. <read more> Organizing
For Problem CRE Loans There are three basic steps to organize for problem CRE Loans. First determine the total scope of existing problems and any potential problems. Second, determine the expertise needed to solve these problems. And finally decide on the implementation of resources to accomplish the solutions. <read more> Don’t
Ignore Your Borrowers’ Tax Assets! Banks must
not ignore their borrowers’ tax assets, particularly
borrowers that in past years had terrific earnings but are now
struggling financially. Many companies, even though their
survival as an ongoing enterprise may be in question, may
nonetheless be entitled to a substantial and immediate cash
infusion from tax refunds instead of the usual process of
applying those tax benefits gradually over several future
years. Stress-Testing
at the Portfolio Level Stress-testing has hit the headlines recently, with the Treasury now using it as a screening device for deciding whether an institution requires additional capital. However, it’s only being applied to the very largest banks – those with more than $100 billion in assets. So that does mean small banks can ignore it? <read more> Regulatory
Compliance: Hitting the Moving Target Compliance
issues can keep mortgage lenders up at night. That’s why
automated compliance solutions are so useful. For example, the
January 1, 2010 RESPA changes call for substantial changes to
GFEs. Will you be ready? This timely article helps put you
ahead of the game. The
Analytical Decision Tree – Credit Decision Guidelines See a
nine step analytical process used in reaching a credit
decision. The steps are a combination of hard and soft data
assessment that require specific analytical skills and good
common sense. WIB
Service Corporation Focus Has
your bank taken in an OREO property and needed to purchase
insurance for it on the same day?
Learn how WIB-endorsed VIP Partner Kesler and
Associates' new “Bankers Write Your Own Insurance” product
provides an easy to use, online option for nearly
instantaneous coverage of single uninsured or foreclosed
properties. <read
more> |
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as well as other important topics!