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.
There are at least nine approaches to assessing a borrower’s cash flow available for debt service. Each provides a different perspective on […]
Executive management and lenders often attribute portfolio loan problems to borrower mistakes or failures in management. Unfortunately, in many instances, it is […]
A key part of commercial real estate (CRE) lending is assessing the bank’s secondary source of repayment for the loan i.e. liquidation […]