How do you handle foreign customers - borrowers who live overseas; i.e., Ireland or Columbia, who want to purchase residential property for investment purposes or as second homes?
Where do you run credit, what about pricing?

Most banks don't. If you ever have been involved in a foreclosure in absentia you will know why.

Does it make it any easier if the collateral is local?

Not if you borrower doesn't pay and they are laying low in Albania.