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- Creating a Dynamic Foundation for Basel II Compliance
- The client is a Midwestern U.S. commercial banking subsidiary with $30 billion in assets, which faced a number of obstacles in gathering and organizing the information needed to meet the requirements of more granular and objective data for determining the capital required to meet credit and operational risks. Basel II...
- Case studies
- commercial lending Manager
- The Commercial Lending Manager job description template includes the following job summary: To manage and develop employees in the commercial lending division to achieve maximum productivity. To supervise preparation of reports and review of applications for such loans following bank's protocols. Additional information available includes essential job functions, additional responsibilities,...
- Tools & templates 2007-09-09
- How Technology Is Transforming The Business Of commercial lending
- With the years of experience required to master its arcane jargon and comprehend its unwieldy documents, the practice of commercial lending has sometimes been likened to alchemy. But the intelligent application of technology is at last beginning to transform commercial lending from a mystical art into an efficient science. This...
- White papers 2005-11-01
- Beyond Laser Pro Commercial Closing: Why Using Commercial Closing Is Not Enough
- Lenders must learn to adapt rapidly to change if they are to succeed as the consolidation of the financial services industry intensifies. As a leading provider of technology solutions to commercial lenders, Harland Financial Solutions is committed to helping you stay ahead of the curve. This paper focuses on trends...
- White papers 2004-08-04
- Straight-Through Processing in commercial lending: AFS Delivers the Whole Nine Yards
- This research note surveys the industry and operational issues now challenging commercial lending and examines the many elements of the value proposition that straight-through-processing (STP) technology brings to bear on those challenges. It lays out the business case in favor of STP as the cornerstone of a comprehensive and scalable...
- White papers 2004-07-01
- commercial lending and Distance: Evidence From Community Reinvestment Act Data
- Innovations such as credit scoring have increased the ability of banks to lend to distant business borrowers, which could expand the geographic market for small business loans. However, if this effect is limited to a few large banks, the market may become segmented and lending distance at local banks actually...
- White papers 2004-02-01
- Risk-Based Capital Requirements For commercial lending: The Impact Of Basel II
- From the executive summary: ‘Of all the changes in capital regulation being considered on banking supervision, the most fundamental shift from current practice is that the risk-based capital requirements for the largest banks would no longer be based on a few pre-set ratios dictated by regulators. Instead, the banks would...
- White papers 2003-04-21
- Capital Sourcing
- This piece states that Strong financial planning and well-prepared business plans are absolutely necessary to attract capital to realize a company's potential. This section includes brief discussions on the some types and sources of financing. The process of capital sourcing can be a time-consuming, and confusing experience. A major phase...
- White papers 2003-01-01
- The Practical Lender: 9 Common Misconceptions
- Revised Article 9 to the Uniform Commercial Code (“Revised Article 9”) went into effect in most jurisdictions on July 1, 2001 (the “Effective Date”) and in all jurisdictions as of January 1, 2002. Revised Article 9 had a primary intended purpose of streamlining secured transactions. In time, this goal will...
- White papers 2002-04-01
- The Future of commercial lending
- From a shareholder's perspective, traditional commercial lending is an unattractive business. Mercer's research in conjunction with the Economist Intelligence Unit suggests that on a global basis, commercial lending is at best a low-margin business with, net interest margins and fees on credit assets being offset by expected losses and operating...
- White papers 2000-07-01
Additional Resources
- Bank Lending and Commercial Property Cycles: Some Cross-Country Evidence
- Motivated by the frequently observed link between commercial property price volatility and banking crises, this paper investigates at a macroeconomic level the determination of commercial property prices and the interaction between commercial property prices and bank lending. It develops a reduced-form theoretical model which suggests bank lending is closely related...
- White papers 2004-03-01
- Related Lending
- In many countries, banks lend to firms controlled by the bank's owners. This paper examines the benefits of related lending using a newly assembled dataset for Mexico. Related lending is prevalent (20% of commercial loans) and takes place on better terms than arm's-length lending (annual interest rates are 4 percentage...
- White papers 2002-03-01
- Real Estate Crunch Will Squeeze Lenders
- From the executive summary: ‘Today's banks are better capitalized, putting people in a stronger position to cope with troubled loans. They have pursued more prudent lending practices as well to help buffer them from the weaker commercial real estate market. One such practice involves lending money based on the amount...
- White papers 2001-10-26
- Life Becomes Simpler
- The reduced costs and risks of a streamlined secured lending system may ultimately make the commercial lending market more competitive, giving nimble lenders an opportunity to pass along their reduced costs in the form of reduced rates to borrowers.Lenders will seize the opportunity to pass along their savings by offering...
- White papers 2000-12-01
- Basel's New Balance
- From the executive summary: ‘An effort by global banking authorities to change the way financial institutions reserve capital against their lending activities could pare costs for some types of borrowing, and ultimately give companies more flexibility in funding their capital structure. The principle goal of banking effort is to make...
- White papers 2003-12-01
- What Is Asset-Based Lending?
- From the executive summary: ‘Asset-based financial services organizations play a vital part in financing the economy and are dedicated to the growth and well-being of their clients. They provide their clients with cash by lending on fixed assets, accounts receivable and inventory, and engage in factoring, purchase order financing, real...
- White papers 2003-01-01
- Less Is More: Securities Lending Revisited
- Almost every institutional investor participates in a securities lending program, whether directly or indirectly. Although securities lending income typically constitutes no more than a few basis points at the total fund level, the dollar amount can be significant, and can often pay for a large portion of the expenses associated...
- White papers 2003-01-01
- Commercial eMortgages:The Present and Future of "Paperless Transactions" in Commercial Mortgage Lending
- This document summarizes ongoing industry initiatives of interest, and outlines the steps that lenders and their service providers should logically examine and consider in the coming months. It is the product of the Commercial eMortgage Workgroup of the Mortgage Bankers Association of America (MBA), which also has a reporting relationship...
- White papers 2003-05-01
- Does The Community Reinvestment Act Influence Lending? An Analysis Of Changes In Bank Low-Income Mortgage Activity
- Article talks about the comparison of the lending behavior of banks experiencing a CRA downgrade to the lending behavior of several thousand banks that do not experience a downgrade. It is hypothesize that banks would respond to regulatory and public pressure exerted as a result of the downgrade by...
- White papers 2000-05-01
- International Bank Lending to Emerging Market Countries: Explaining the 1990s Roller Coaster
- The work is guided by the hypothesis that lending flows tend to be driven by economic fundamentals but that other factors can also at times be influential. Adopting a well known approach distinguishing between external ("push") and internal ("pull") determinants of lending flows, preliminary results show that both types of...
- White papers 2002-03-01
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