In my last posting I discussed one reason why a business owner might be sitting across the desk from you. The focus was the challenges of balancing a business owner’s desire to leverage his/her business to enhance his/her rate of return with a banker’s desire to manage risk in a loan...

  As a commercial loan officer you will see many different types of businesses. You will also meet many different types of business owners. The question is; why are they sitting across from you? What do they want or need? Before I continue, let me introduce the concept of rate of return. The...

The Credit Culture came about during my first go round at retirement. In mid 2015 I had just completed a year as the Chief Credit Officer post-merger at our bank. The merger in 2014 expanded our footprint to a national level from the California community bank we were. At that point in 2015 I had...