The Journal of Lending & Credit Risk Management

Articles from Vol. 79, No. 3, November

Can You Sell This Collateral for Me?
Many a banker has learned the hard way how collateral value changes between the time a loan is made and when that same loan has gone "south" and is in a workout mode. The bright calculations accompanying the presentation to the loan committee, which...
CoreStates Online Policies: Less Paper, Greater Efficiency
We thought about it a long time. We implemented it in less than a year, says Kathy Blanchard, VP of Credit Administration and Policy, CoreStates Financial Corp. CoreStates took its credit policy manuals and put them online in one easy-to-use program....
Credit-Scoring Speeds Small Business Loan Processing
The vast growth of the nation's small businesses has been met with an equal increase in the attention that this market has received from commercial credit grantors. Banks accustomed to processing all business loans the same way, whether big or small,...
Lending: The Next Problem Areas
On September 10, RMA hosted its first audio conference, "Lending's Next Problem Areas and How to Avoid Them." Senior credit officers from three prominent banks each presented major areas of concern for lenders in the future and shared how their banks...
Lending to ... Internet-Related Concerns
Most bankers prefer to wait until an industry develops before lending any of their depositors' funds to one of its participants. The Internet, still a mystery to many of us, has developed as an industry to the point that its newest concern is how to...
New Software Products Focus on Efficiency
Commercial financial statement spreading software and related enhancements have created new opportunities for increased work efficiency within banks. Many companies offer financial statement spreading services, but four main companies offer banking products...
Overcoming the Hurdles to Multimedia Training
Multimedia training, like any change, presents us with resistance hurdles and roadblocks. Some of these may sound familiar: * I don't think it really is effective. * I'm not sure if there are even any good courses available. * I prefer the classroom...
Predicting Portfolio Volatility
Management's reaction to the credit problems of the 1980s has been to strengthen credit procedures and portfolio management and to enhance credit cultures. Surely, bankers reason, improved credit performance will be the result when portfolios are again...
The Need to Know: Collateral Field Audits and Valuation
Many bank lenders say they do not make asset-based loans; however, they have millions of dollars loaned on accounts receivable as primary collateral and even have some inventory scattered around out there. If you have the trade assets of your borrower...
Values as a Strategy
One of the key ways a financial services company can differentiate itself in the decade ahead is by creating a distinctive style of doing business that attracts and holds customers. This requires organizing to create a special way of managing and doing...