Back to Basics: Credit and Risk Management
Key Message: Small business portfolios continue to perform well. So far, they have experienced none of the volatility nor losses of other lending business. Lenders can continue to produce strong…
Key Message: Small business portfolios continue to perform well. So far, they have experienced none of the volatility nor losses of other lending business. Lenders can continue to produce strong…
Key message: While some exceptions to this rule exist, in general a bank’s small business organization should be part of the retail group. The decision process used by small businesses…
Key Message: In order to determine the right segmentation cutoffs for your bank, begin with the branch. The more you can give the branch to do, the better, but the…
Key Message: Effectively linking Private and Commercial Banking requires setting a unified strategic direction and then tirelessly implementing the key tactical requirements for success. The roadblocks to success are significant,…
Key Message: Banks need to link their commercial and private banking/wealth management efforts. At a minimum, failing to do so reduces potential revenues. In the worst case, a bank’s inability…
Key message: We all use the term “small business” as if it were a homogeneous market. In fact, it is extremely diverse. Success with this segment requires that each financial…
Since our last newsletter, Vernon Hill, the head of Commerce Bank (based in Cherry Hill, New Jersey) has resigned, apparently due to regulatory issues. In light of this, some analysts…
Today, despite an increasingly difficult profit environment for bank loans, many banks continue to pursue C&I lending. Reacting to more aggressive competitors and a more demanding commercial customer, bank management…
Bank management knows that the effective use of the branch serves as a key determinant of small business success. If your branch is closely linked into the small business effort,…
Banks want to maximize profits from their small business efforts. This newsletter provides a brief “profit maximization” checklist for banks to follow, whether they are organized on a geographic or…