John Barrickman

Now is the time to remind experienced lenders and educate young lenders how to identify potential problem industries and borrowers while the […]

Banks have traditionally relied on historical credit performance as a good predictor of future portfolio credit quality.  Yet, history suggests prior credit […]

Opening and managing accounts for nonresident aliens (NRAs) can be overwhelming tasks.  What kind of identification can I request? What if the […]

The COVID-19 virus has dramatically and adversely impacted the U.S. and world economies.  The events of the last three months will fundamentally […]

The devastating impact of the COVID-19 virus on the economy makes  it appropriate to step back and objectively assess the potential for […]

Many banks are focusing on small business lending to grow loan volume and core deposits. To compete with marketplace lenders, banks are […]

Many banks are focusing on small business lending to grow loan volume and core deposits. To compete with marketplace lenders, banks are […]

A key part of commercial real estate (CRE) lending is assessing the bank’s secondary source of repayment for the loan i.e. liquidation […]

To effectively analyze a potential or continuing lending opportunity, a lender or credit analyst must understand how a business operates, how financing […]

A key part of commercial real estate (CRE) lending is assessing the bank’s secondary source of repayment for the loan i.e. liquidation […]

Executive management and lenders often attribute portfolio loan problems to borrower mistakes or failures in management. Unfortunately, in many instances, it is […]

Small business lenders often rely on tax returns when analyzing a borrower. Tax returns can provide significant information to assess the small […]

A critical part of any lender’s or credit analyst’s job is analyzing a borrower’s financial condition. The analysis provides perspective on the […]

There are at least nine approaches to assessing a borrower’s cash flow available for debt service.  Each provides a different perspective on […]