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 […]

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 […]