Commercial articles

Lender Life

Fresh opportunities in export financing By Judith Sears Jimmy Stilley, vice president, commercial lending for OakStar Bank in Springfield, Mo., had never given much thought to international export financing. However, when a director of the $240 million-asset community bank referred a loan request from a manufacturer of high-tech industrial chicken coops looking to export to

Evaluating Loan Decisions

Outlining key commercial credit risk metrics and thresholds By Tim McPeak As most community bankers will tell you, their personal knowledge of their borrowers helps them to better understand the story behind the numbers they see on tax returns and other financial statements. Customers will also tell you how much they value the personal service

Back in the Market

Top commercial real estate loan producers By Katie Kuehner-Hebert The trick to being a successful commercial real estate lender is knowing which customers can weather storms, staying clear of the riskier speculative ventures and being flexible on pricing and terms—but not underwriting. That’s what several of last year’s most-productive commercial real estate lenders report about

Discarding the ‘Dirt’

Top commercial loan producers By Katie Kuehner-Hebert It takes particular expertise to have success in pure commercial lending. That’s because with such commercial lending—often referred to as commercial and industrial lending—a bank cannot rely on real estate collateral—or “dirt” as one lender quips—if the loan sours. While many community bank loan portfolios are heavily collateralized

Small Seeds for Growth

Microlending programs serve as greenhouses for Main Street businesses By Audrey Wright-Cipriano Microlending has existed for decades in impoverished third-world countries, but in the last few years, the concept has been gaining momentum in the United States. Symptoms of the recession—such as tightened commercial credit, diminished credit scores and the disillusioned unemployed who have decided

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