Most Popular Lending Content
Adequate Reserves and Other Hot Buttons
05/01/2003
by Jeffrey K. Bagby, Regional Examiner, Oklahoma State Banking Department
Delinquencies On The Rise
04/30/2003
A survey conducted in conjunction with the Consumer Bankers Association revealed higher delinquency rates in some areas of lending in the last year compared to the previous year.
Getting the HUD-1 Right
04/28/2003
by Mary Beth Guard, BOL Guru
Spousal Signatures On A Business Loan
04/21/2003
We are renewing a commercial loan secured by real estate owned 100% by the business. The business is owned 100% by Mr. Business Owner. In the past, the loan was individually (not jointly )guaranteed by Mr. Business Owner and his wife, Mrs. Business Owner. We have no financials due to the value of the property and loan/value ratio.We don't know what % ownership the wife has in any of Mr. Business Owner's assets. Do you think there is any value in keeping Mrs. Business Owner as a guarantor? How would I justify or explain to the loan review committee we really don't need her as a guarantor?
Lending Policies Using Credit Scoring
04/21/2003
Do you have suggestions for resources in developing bank lending policies which utilize credit scoring on consumer loans?