Oct 29, 2020
In this episode, we get into the emotional side of lending and credit when talking with borrowers who are in financial distress. This may be a business owner or a personal borrower who is accustomed to strength and resilience. When they find themselves in a financial challenge, and face being unable to keep their...
Oct 22, 2020
Valuation and appraisals are a critical element in understanding your risk in CRE, either when making the loan or reviewing one already on your books.
We'll cover
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Who to use for appraisals
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How we define an unstabilized property and how to factor it in
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How to spot a disconnect in your final result
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Specific...
Oct 15, 2020
We dive into the shifting role of the director during times of crisis. Specifically, we will focus on how to redraw the governance lines without getting into the weeds and throwing off the CEO. And we'll touch on how quickly things are moving compared to pre-recession and how you can keep up.
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The role of the Chair in...
Oct 8, 2020
Today's topic is Bias...your bias. Okay, and my bias. Confirmation bias is well understood in credit analysis, jumping to conclusions too quickly just because revenue is up...or down. But bias can rear its head in many areas.
In this episode we share sobering, recent studies on racial bias in lending, why intentions can...
Oct 1, 2020
The concept of loan triage for problem loans is a hot topic during the pandemic-induced recession. In this episode, we will zero in on one result of the triage...Rehabilitate. The borrower is expected to recover without restructure. How do we recognize a problem loan that can be placed into rehab, what does...