Resources for Lenders, Community Bankers & Finance Professionals

Beginning with this issue, InsideBanking will be carrying a series of six articles designed by experts from the merchant processing industry. These experts specialize in helping community banks improve their fee income and their customer retention.    The intense compe...

Not long ago I was examining a single engine piston aircraft for a banking client. At that time, the aircraft was six years old and it was clear that it had been kept outside for an extended period. During the appraisal process the aircraft was undergoing an annual ins...

We must have heard about the  proverb “if it looks like a duck, quacks like a duck and acts like a duck, it is a duck” but what if an institution looks like a bank and operates like a  bank? Can you be sure to call it a bank? Well, not always! They're shadow banks.  Sh...

The Dodd–Frank Wall Street Reform and Consumer Protection Act is the largest financial reform act in US history. Introduced amid the financial crisis of 2010, the act includes consumer protection reforms including a new consumer protection agency and uniform standards...

Establishing a de novo warehouse lending platform is twofold, staffing, and more importantly, risk. My comments on each are listed below:

Warehouse lending is one of the leading revenue producing lending platforms, as illustrated by the current ABA and SNL rating...

Unfortunately, all too frequently, after a loan is in default and the liquidation process has begun, the lender learns the real property collateral for the loan is environmentally contaminated. If this is the case, one should not automatically assume it is appropriate...

There is a science experiment that demonstrates how an animal (including people) can be "boiled alive" without having a painful reaction.  This situation can be accomplished when the temperature of the water is changed on a very gradual basis such that the animal doesn...

On January 14, 2013, in Riverisland Cold Storage v. Fresno-Madera Production Credit Assn., 2013 Cal. Lexis 253 (2013) ("Riverisland"), the California Supreme Court overturned Bank of America etc. Assn. v. Pendergrass,4 Cal.2d 258 (1935) ("Pendergrass") which, for nearl...

The debtor’s bank account is flush with cash!    After months of searching and work you finally have it, a payday!   You get the garnishment paperwork done the same day and serve it on the neighborhood bank.  But the banker looks at it differently.  The banker says, ho...

There comes a time in every lender's portfolio when its workouts are no longer working out, and the only commercially reasonable course of action is to sue the obligors. When a lender participating in the SBA's 7(a) program sees that time approaching, it must work clos...