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Successful Lenders Field Guide
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Book Synopsis The Successful Lender's Field Guide by : Ed Kofman
Download or read book The Successful Lender's Field Guide written by Ed Kofman and published by . This book was released on 2017-05-22 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: The commercial lending environment is more competitive than ever With interest rates at challenging levels, loan assets provide the most effective way to bolster shareholder value for a bank. As a result, the margin for error in structuring is extremely narrow. While lenders are taught credit fundamentals, little information is provided that quantifies the structural drivers of performance and the finer points of commercial lending business development. This Field Guide targets commercial lenders and bank business development officers seeking new and innovative lending techniques, with the intent of maximizing value for both the bank and borrower.
Book Synopsis Successful Lender's Field Guide by : Chris Nichols
Download or read book Successful Lender's Field Guide written by Chris Nichols and published by . This book was released on 2016-08-01 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This Field Guide targets commercial lenders and business development officers seeking innovative lending and marketing techniques, with the intent on maximizing value for both bank and borrower.
Download or read book For Lenders written by Shelli Madalinski and published by . This book was released on 2021-05-17 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is a lack of quality literature regarding best practices in sales strategies, negotiation tactics, and analytical aspects of what we do as lenders. While there are countless business books out there, few speak to our unique issues. A trio of bankers/authors seeks to address that issue with the release of this book. The commercial lending environment is more competitive than ever With interest rates at challenging levels, loan assets provide the most effective way to bolster shareholder value for a bank. As a result, the margin for error in structuring is extremely narrow. While lenders are taught credit fundamentals, little information is provided that quantifies the structural drivers of performance and the finer points of commercial lending business development. This Field Guide targets commercial lenders and bank business development officers seeking new and innovative lending techniques, with the intent of maximizing value for both the bank and borrower.
Book Synopsis Your Guide To Commercial Lending by : Larry Gnabah
Download or read book Your Guide To Commercial Lending written by Larry Gnabah and published by . This book was released on 2021-05-17 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is a lack of quality literature regarding best practices in sales strategies, negotiation tactics, and analytical aspects of what we do as lenders. While there are countless business books out there, few speak to our unique issues. A trio of bankers/authors seeks to address that issue with the release of this book. The commercial lending environment is more competitive than ever With interest rates at challenging levels, loan assets provide the most effective way to bolster shareholder value for a bank. As a result, the margin for error in structuring is extremely narrow. While lenders are taught credit fundamentals, little information is provided that quantifies the structural drivers of performance and the finer points of commercial lending business development. This Field Guide targets commercial lenders and bank business development officers seeking new and innovative lending techniques, with the intent of maximizing value for both the bank and borrower.
Book Synopsis Commercial Lending by : Adrian Cudby
Download or read book Commercial Lending written by Adrian Cudby and published by Kogan Page Publishers. This book was released on 2018-10-03 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Endorsed by the Chartered Banker Institute as core reading for one of the modules leading to the Institute's professional qualifications and chartered status, Commercial Lending supports readers that wish to develop their ability to analyze the creditworthiness of a customer and their business in the context of the current economic climate, future market and sector expectations. Commercial Lending uses a series of practical exercises and case studies, and provides the tools needed for the reader to understand and appraise a customer's business strategy. This will then enable the reader to provide appropriate funding solutions to meet the commercial needs of customers while reflecting the bank's risk appetite. These tools include: how to assess the performance and creditworthiness of a business; how to critically evaluate the robustness of cash flow; and how to undertake sensitivity analysis to quantify sustainable debt repayment capacity. This practical text will present a critical analysis of financial and non-financial information to help readers identify key risks inherent in the customer's lending proposition. Readers will go on to propose suitable funding solutions that mitigate risk and meet the needs of customer and bank. Online supporting resources include a glossary and updates to regulation in the UK. All law and legislation used throughout the book (Chapters 1, 6 and 9) is either UK or English law. Readers outside the UK are recommended to check the appropriate legislation in their country. The currency used throughout the book is UK Sterling (denominated by £ symbol) and where working examples are used (particularly in Chapters 2 and 3) readers can substitute their own currency by using the appropriate exchange rate for their own country.
Book Synopsis Commercial Loan Analysis by : Kenneth R. Pirok
Download or read book Commercial Loan Analysis written by Kenneth R. Pirok and published by Irwin Professional Publishing. This book was released on 1994 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fundamentals of Credit and Credit Analysis by : Arnold Ziegel
Download or read book Fundamentals of Credit and Credit Analysis written by Arnold Ziegel and published by Createspace Independent Publishing Platform. This book was released on 2015-01-14 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Arnold Ziegel formed Mountain Mentors Associates after his retirement from a corporate banking career of more than 30 years at Citibank. The lessons learned from his experience in dealing with entrepreneurs, multinational corporations, highly leveraged companies, financial institutions, and structured finance, led to the development and delivery of numerous senior level credit risk training programs for major global financial institutions from 2002 through the present. This book was conceived and written as a result of the development of these courses and his experience as a corporate banker. It illustrates the fundamental issues of credit and credit analysis in a manner that tries to take away its mystery. The overriding theme of this book is that when an investor extends credit of any type, the goal is "to get your money back", and with a return that is commensurate with the risk. The goal of credit analysis is not to make "yes or no" decisions about the extension of credit, but to identify the degree of risk associated with a particular obligor or a particular credit instrument. This is consistent with modern banking industry portfolio management and the rating systems of credit agencies. Once the "riskiness" of an obligor or credit instrument is established, it can be priced or structured to match the risk demands or investment criteria of the entity that is extending the credit. A simple quote from Mr. J. P. Morgan is used often in this text - "Lending is not based primarily on money or property. No sir, the first thing is character". This statement represents one of the conflicts in modern credit analysis - that of models for decision making versus traditional credit analysis. The 2008 financial crisis was rooted in the mortgage backed securities business. Sophisticated models were used by investors, banks, and rating agencies to judge the credit worthiness of billions (and maybe trillions) of dollars worth of residential mortgage loans that were packaged into securities and distributed to investors. The models indicated that these securities would have very low losses. Of course, huge losses were incurred. Mr. Morgan had a good point. In this case is was both property and character. The properties that were the collateral for many of the mortgages had much less value than was anticipated. The valuation of the collateral was na�ve and flawed. Many assumptions were made that the value of homes would rise without pause. Many mortgage loans were made that were at or even above the appraised value of a residence.But character was a huge, perhaps larger, factor behind these losses. Many of the residential mortgage loans were made to individuals who knew that they did not have the income to make the required payments on the mortgages. Many of the mortgage brokers and lenders who made these loans also knew that many of the borrowers were not properly qualified. And, many of the bankers who securitized these loans also may have doubted the credit quality of some of the underlying mortgages. If bankers and rating agencies understood the extent of the fraud and lax standards in the fundamental loans backing the mortgage securities, or were willing to acknowledge it, the fiasco would not have occurred.
Book Synopsis Commercial Mortgages 101 by : Michael REINHARD
Download or read book Commercial Mortgages 101 written by Michael REINHARD and published by AMACOM Div American Mgmt Assn. This book was released on 2010-05-14 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: With real estate prices at their lowest in years and the economy poised for a rebound, it’s an opportune time to invest in commercial real estate. But credit and financing issues can still pose challenges that prospective borrowers must overcome in order to get the money and mortgage terms they need. Commercial Mortgages 101 is a step-by-step guide for both real estate investors and mortgage brokers, offering insight, practical tools and a thorough overview of commercial mortgage underwriting and credit analysis. Readers will learn how to: Think and speak like a commercial real estate lender • Quickly size and under write a basic commercial real estate loan • Prepare a personal cash flow statement and calculate true net worth and liquidity • Read and interpret a lender’s preliminary loan proposal • Create a Schedule of Real Estate Owned • Prepare a persuasive and professional loan request package • Choose the right form of ownership (including LP, LLC, Co-tenancy and others) • And more Both thorough and timely, Commercial Mortgages 101 reveals what readers need to ensure their loans are approved.
Book Synopsis Making The Yield by : Salvatore M. Buscemi
Download or read book Making The Yield written by Salvatore M. Buscemi and published by Advantage Media Group. This book was released on 2014-08-19 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: Finally! Everything you need to know to become a remarkably successful hard money lender in real estate—by an acknowledged leader in the field. Are you looking for a lucrative career in hard money lending in real estate? Are you fed up investing in overpriced stocks or working for someone else? Have you considered entering the real estate field but don’t want to be a landlord? Do you long for the financial rewards and independence that are the rewards of creating and managing your own successful real estate investment fund? Then the landmark new book, Making the Yield: Real Estate Hard Money Lending Uncovered, by Salvatore M. Buscemi is an absolute must read! In straightforward, inviting language, he tells you everything you need to know—from how to create the fund and attract qualified investors to how to select builders and others to lend to, choose sound investment properties, structure risk away from you and your investors, manage the fund, and time the closing of the fund to reap maximum profits for you and your investors. With the author’s expert step-by-step guidance, you’ll be able to establish your initial fund and begin to build a track record of success that will allow you to grow into the kind of confident, successful fund manager that investors search for and trust with their money.
Book Synopsis The Complete Guide to Becoming a Successful Mortgage Broker by : Patricia Hughes
Download or read book The Complete Guide to Becoming a Successful Mortgage Broker written by Patricia Hughes and published by Atlantic Publishing Company. This book was released on 2008 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: A reliable mortgage broker is in constant demand and never short on business in any economic condition. According to the U.S. Department of Labor, the average income of mortgage brokers is $43,210. The mortgage brokering business is one of the fastest growing occupations in America today, yet the financial success rate for these new brokers is dismal. It is estimated that less than 30 percent of new mortgage brokers ever become financially successful. Virtually all mortgage brokers are paid strictly on commission, so there is little motivation for the company to help you succeed. You need the proper training to be prepared. This new book will provide you with a road map to financial success. You will learn how NOT to make the big mistakes most new brokers make, how to put a loan package together, how to find borrowers, how and what to charge, how to guarantee your fee, how to make buyers and sellers happy, and how to quickly and easily locate the best deals for your customers. Additionally, this book provides you with information on licensing and exam fees, the expenses of doing business, your vehicle and insurance coverage, sales techniques, simple methods to get hundreds of referrals, software programs that make running your business effortless, the private mortgage segment, the commercial market, secrets to using the Internet, realtors, online tools and ideas, mortgage technology tips, Internet leads, building partnerships, and much more. We also spent thousands of hours interviewing, e-mailing, and communicating with hundreds of todays most successful mortgage brokers. This book is a compilation of their secrets and proven, successful ideas. If you are interested in learning hundreds of hints, tricks, and secrets on how to earn a high, consistent income as a broker, this book is for you. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president's garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
Book Synopsis Advanced Credit Risk Analysis and Management by : Ciby Joseph
Download or read book Advanced Credit Risk Analysis and Management written by Ciby Joseph and published by John Wiley & Sons. This book was released on 2013-04-22 with total page 454 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit is essential in the modern world and creates wealth, provided it is used wisely. The Global Credit Crisis during 2008/2009 has shown that sound understanding of underlying credit risk is crucial. If credit freezes, almost every activity in the economy is affected. The best way to utilize credit and get results is to understand credit risk. Advanced Credit Risk Analysis and Management helps the reader to understand the various nuances of credit risk. It discusses various techniques to measure, analyze and manage credit risk for both lenders and borrowers. The book begins by defining what credit is and its advantages and disadvantages, the causes of credit risk, a brief historical overview of credit risk analysis and the strategic importance of credit risk in institutions that rely on claims or debtors. The book then details various techniques to study the entity level credit risks, including portfolio level credit risks. Authored by a credit expert with two decades of experience in corporate finance and corporate credit risk, the book discusses the macroeconomic, industry and financial analysis for the study of credit risk. It covers credit risk grading and explains concepts including PD, EAD and LGD. It also highlights the distinction with equity risks and touches on credit risk pricing and the importance of credit risk in Basel Accords I, II and III. The two most common credit risks, project finance credit risk and working capital credit risk, are covered in detail with illustrations. The role of diversification and credit derivatives in credit portfolio management is considered. It also reflects on how the credit crisis develops in an economy by referring to the bubble formation. The book links with the 2008/2009 credit crisis and carries out an interesting discussion on how the credit crisis may have been avoided by following the fundamentals or principles of credit risk analysis and management. The book is essential for both lenders and borrowers. Containing case studies adapted from real life examples and exercises, this important text is practical, topical and challenging. It is useful for a wide spectrum of academics and practitioners in credit risk and anyone interested in commercial and corporate credit and related products.
Book Synopsis Breaking Into Banking by : Andy Keusal
Download or read book Breaking Into Banking written by Andy Keusal and published by . This book was released on 2015-02-20 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Considering commercial banking as a new career? Then this book is for you! Whether you are in school preparing to graduate or already employed in another field, you can successfully transition into banking and enjoy a lucrative career. This information will help you do it. Written as a personal conversation between the author and you, Andy Keusal shares the secrets of getting hired, learning the ropes, mastering the basics, and understanding how to put all of the pieces together. This quick and enjoyable read will help you distinguish yourself from other candidates and hit the ground running in your new job."--Back cover.
Book Synopsis Managing a Consumer Lending Business by : David Lawrence
Download or read book Managing a Consumer Lending Business written by David Lawrence and published by . This book was released on 2012-03-16 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Bankable Business Plans by : Edward G. Rogoff
Download or read book Bankable Business Plans written by Edward G. Rogoff and published by Rowhouse Publishing. This book was released on 2007 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book guides readers through a very comprehensive, step-by-step process to produce professional-quality business plans to attract the financial backing entrepreneurs need, no matter what their dream.
Book Synopsis All that We Share by : Jay Walljasper
Download or read book All that We Share written by Jay Walljasper and published by . This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: A collection of essays that offers unique strategies for dealing with the economic, political, and cultural issues that are shaping the global community at the start of the twenty-first century.
Book Synopsis Handbook of Corporate Lending: A Guide for Bankers and Financial Managers Revised by : James S. Sagner
Download or read book Handbook of Corporate Lending: A Guide for Bankers and Financial Managers Revised written by James S. Sagner and published by . This book was released on 2014-04 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking experts review, simplify corporate lending process. James S. Sagner and Herbert Jacobs advise on corporate lending to help bankers, lenders and corporate finance managers avoid future credit problems in Handbook of Corporate Lending: A Guide for Bankers and Financial Managers. The authors argue for a fresh approach to improving bank lending to corporations. Historically, most banks spend their efforts in evaluating loan proposals from businesses before approving or denying credit. The authors argue persuasively and with examples that lending is a two-step process: the analysis of the company in the context of its industry and its competitors; and then a loan agreement that identifies the credit risks. The book demonstrates through the use of case studies how to limit those risks to the lenders and just as importantly, to the company. Sagner and Jacobs, former senior bankers and consultants and educators to the banking industry, systematically review the process of corporate credit decision-making. Too few banks are now providing adequate formal credit-training. This leaves bankers without the proper guidance to review credit requests and create precautions for corporate borrowers and lenders. Sagner and Jacobs show readers how such factors influence credit, funding, pricing decisions and proper structuring of loans. The book covers such topics as trends in commercial loan activity, the credit loan agreement, the banker's responsibilities, risk management measurement and the credit process. Eight cases in the book highlight a variety of credit issues. "The book is written from the perspective of the banker or other lender who makes these important decisions," said Sagner. "But business people, particularly global financial managers who must secure credit and maintain excellent relations with their lenders, need to understand this important information." Sagner and Jacobs help readers navigate the issues confronting financial and banking managers. The book aims to explain the financial processes lenders use to make decisions, and to analyze the strengths and weaknesses of credit measurements so that business and financial managers are better prepared to arrange credit facilities.
Book Synopsis Restaurant Success by the Numbers, Second Edition by : Roger Fields
Download or read book Restaurant Success by the Numbers, Second Edition written by Roger Fields and published by Ten Speed Press. This book was released on 2014-07-15 with total page 322 pages. Available in PDF, EPUB and Kindle. Book excerpt: This one-stop guide to opening a restaurant from an accountant-turned-restaurateur shows aspiring proprietors how to succeed in the crucial first year and beyond. The majority of restaurants fail, and those that succeed happened upon that mysterious X factor, right? Wrong! Roger Fields--money-guy, restaurant owner, and restaurant consultant--shows how eateries can get past that challenging first year and keep diners coming back for more. The only restaurant start-up guide written by a certified accountant, this book gives readers an edge when making key decisions about funding, location, hiring, menu-making, number-crunching, and turning a profit--complete with sample sales forecasts and operating budgets. This updated edition also includes strategies for capitalizing on the latest food, drink, and technology trends. Opening a restaurant isn't easy, but this realistic dreamer's guide helps set the table for lasting success.
