New Horizons Financial Group / President
For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.
Upcoming Events
Real Estate Appraisals – Regulations, Processes, and Pitfalls
A key part of commercial real estate (CRE) lending is assessing the bank’s secondary source of repayment for the loan i.e. liquidation […]
Key Lender Mistakes in Underwriting and Structuring Commercial Loans
Executive management and lenders often attribute portfolio loan problems to borrower mistakes or failures in management. Unfortunately, in many instances, it is […]
Loan Structure Fundamentals for Lenders and Analysts (2-Part Series)
Good underwriting is critical to the success of a loan, but so is good loan structure. In a well-structured loan, the lender […]
Effective Loan Pricing
The business of banking is risk management which includes pricing for risk. Traditionally, banks have done a poor job of pricing risk. […]
Assessing Borrower Credit Performance Quickly
Banks are taking steps to determine early in the underwriting process through a prescreening worksheet if the borrower has provided a complete […]
Commercial Lending Basics (2-Part Series)
To effectively analyze a potential or continuing lending opportunity, a lender or credit analyst must understand how a business operates, how financing […]
Identifying and First Steps in Managing Problem Loans (2-Part Series)
History suggests that most of the losses incurred by banks are loans made in the last two years of a recovery. Prior […]
Not-for-Profit (Fund) Accounting
Analyzing the accounting statements of a municipality, school districts, colleges and universities, religious or civic organizations can be a challenge. The accounting […]
