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CFO March 1, 2008 Karen M. Kroll |
Pedaling As Fast As They Can Companies will now need to work harder for credit, as banks' markedly different posture on lending money is affecting businesses of all stripes -- not just those in default.  |
CFO October 1, 2006 Randy Myers |
A Change of Season Don't let a turn in the credit cycle catch you napping. What should corporate borrowers be doing? The most obvious course of action is to get while the getting is good.  |
CFO April 1, 2006 Randy Myers |
Money for Nothing Given their sanguine outlook, it's lenders who urge CFOs and treasurers who haven't already refinanced debt this year to jump on the bandwagon before it leaves town.  |
CFO December 1, 2003 Randy Myers |
Basel's New Balance A new accord may soon help banks lend more for less.  |
CFO October 1, 2009 Vincent Ryan |
Back on Track It's been a frightening year for credit-starved companies. Can they relax a little now?  |
CFO March 1, 2009 Russ Banham |
The Standoff Continues As banks and companies hoard their cash, credit remains extremely tight. That's forcing CFOs to explore new (and old) options.  |
CFO November 1, 2003 Tim Reason |
Borrowing Big Time Tighter credit and bigger deals are making asset-based loans more respectable.  |
CFO June 1, 2009 Vincent Ryan |
Tripped Up More companies are violating loan covenants, but there are ways to avoid taking a hard fall.  |
CFO October 1, 2007 Rob Garver |
One Nation, Left Behind The race to cut compliance-based capital has begun, and U.S. banks are trailing the pack -- badly.  |
CFO March 1, 2009 Vincent Ryan |
The Big Freeze CFOs hope government intervention will soon thaw frozen credit markets. That's not likely.  |
OCC Bulletin April 4, 2001 |
Leveraged Financing Guidance for bankers and examiners that more fully describes supervisory expectations regarding sound practices for leveraged financing activities.  |
CFO December 1, 2011 Vincent Ryan |
Post-Occupied Tepid demand, thin margins, new regulations, investor caution - and a lingering public-relations problem. No wonder banks are nervous.  |
CFO October 1, 2007 Avital Louria Hahn |
Only the Strong Shall Thrive Financially sound companies find gold in credit mayhem even as weaker players fear the game is up.  |
National Real Estate Investor May 1, 2006 Matt Hudgins |
Year of the Mega Loan Large loans and mushrooming CMBS issuance drove commercial real estate financing levels to an all-time high last year, but lenders say a slowing pace of transactions could temper loan volume as 2006 unfurls.  |
CFO March 1, 2007 Randy Myers |
Dividing the Spoils Most CFOs and treasurers recognize that when the credit cycle finally does turn, they may need the goodwill of a longtime banking partner to ensure access to capital under less-than-ideal conditions.  |
National Real Estate Investor January 1, 2005 Matt Hudgins |
Leaping Through The Lending Trough According to the normal rhythms of the real estate industry, the first years of this decade should have been a slow period for lenders. To the delight of the mortgage industry, it hasn't worked out that way.  |
CFO September 1, 2003 Hilary Rosenberg |
Compromising Positions Will credit derivatives encourage more lending, or will they harm the interests of borrowers?  |
National Real Estate Investor February 1, 2006 Beth Mattson-Teig |
Encore Performance? Mortgage bankers are hoping that 2006 will be a repeat performance of 2005 -- a phenomenal year for commercial and multifamily mortgage originations. But whether those expectations materialize depends largely on interest rates.  |
FDIC FYI September 17, 2003 Susan Burhouse |
Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks.  |
CFO March 1, 2007 Rob Garver |
Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend.  |
Financial Advisor January 2004 Marla Brill |
Bank Loan Funds Regain The Spotlight Funds that invest in variable rate loans to below-investment-grade companies may sound like a gamble, but it's one that an increasing number of financial advisors worried about the impact of rising interest rates are willing to take.  |
BusinessWeek October 31, 2005 Mara Der Hovanesian |
Hedges: The New Corporate ATMs Hedge funds and other institutional investors are lending money to corporations as banks get pickier.  |
The Motley Fool December 4, 2006 Dan Caplinger |
Avoid the Loan Sharks For those with less-than-perfect credit histories, there's a scary trend in personal finance these days. In the name of convenience, some borrowers are digging themselves into a hole from which they may never emerge.  |
Commercial Investment Real Estate Nov/Dec 2009 Steve Bram |
Capital Markets Conundrum Are there viable solutions to today's financing puzzle?  |
Finance & Development December 1, 2007 Randall Dodd |
Subprime: Tentacles of a Crisis The mortgage market turbulence is as much about the breakdown of the structure of U.S. financial markets as it is about bad debt.  |
CFO May 1, 2011 Vincent Ryan |
Revolvers Return, with Some Twists Good news for credit-seekers as banks relax, a little.  |
CFO March 1, 2010 Ryan & Leone |
Brighter Days Bank CFOs describe how they've weathered the storm, dealt with TARP, and learned many invaluable lessons.  |
U.S. Banker May 2007 Lee Conrad |
Subprime Mortgages: As the Knot Unravels, A Question Lingers: Why? Consumers and companies following their self-interest are supposed to be guiding forces that drive a capitalist economy. The recent meltdown of the subprime-mortgage market, however, raises the question of whether all participants were headed in that direction.  |
CFO October 1, 2010 Vincent Ryan |
Take Control of Your Bankers Tired of being at the mercy of their banks, CFOs are working hard to regain the upper hand.  |
National Real Estate Investor February 1, 2007 Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.  |
The Motley Fool October 9, 2006 Dan Caplinger |
Know Your Numbers: Consumer Credit Use economic data to gain the upper hand in your investing. The Federal Reserve's consumer credit report provides some useful information about the borrowing practices of typical consumers.  |
Commercial Investment Real Estate Jul/Aug 2010 David C. Hannah |
Community Banks Step Into a New Role Banks can band together with other similarly situated community banks to share the credit risk through a loan participation or syndication arrangement.  |
FDIC FYI April 21, 2003 |
Risk-Based Capital Requirements for Commercial Lending: The Impact of Basel II The purpose of this article is to demonstrate the mechanics of the Basel II risk-based capital calculation for commercial credit exposures, and to present evidence on the impact of the new calculations on capital requirements for syndicated loans.  |
BusinessWeek December 3, 2009 Francis & Silver-Greenberg |
What Lurks on the Books of Banks Their profits have rebounded, but shaky home-equity and credit-card debt -- for starters -- could change that  |
FDIC FYI November 4, 2003 Puwalski & Williams |
Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside.  |
BusinessWeek October 23, 2006 |
Danger--Explosive Loans Collateralized loan obligations offer loads of cheap money. But payback time may be coming.  |
National Real Estate Investor October 1, 2002 Kathleen Fitzpatrick |
Taking the Floating-Rate Gamble A slow recovery in the U.S. economy has prompted more and more borrowers to bet that interest rates won't be rising anytime soon. And still others, fueled by fears of overall uncertainty, are satisfying their appetites with flexible financing.  |
The Motley Fool October 12, 2007 Dan Caplinger |
Where's the Consumer Credit Crunch? Housing may be slowing, but borrowing is moving full speed ahead. Last month, figures for both revolving credit, such as credit card debt, and non-revolving debt, like car and student loans, rose.  |
The Motley Fool August 16, 2007 John Rosevear |
Buying a Home During the Storm Essentially, what's going on is that the mortgage industry -- along with Wall Street -- is rethinking the appropriate pricing for taking on the risk of a borrower with a less-than-prime credit history.  |
Inc. January 1, 2003 Martin Mayer |
A Borrower Be Tough economies and easy credit usually don't mix. So why are banks falling all over themselves to lend small businesses money?  |
Financial Advisor June 2011 Alan Lavine |
Exotic Alternative Advisors should scrutinize the risk-return trade off of including floating-rate loans in client portfolios.  |
Bank Director 1st Quarter 2011 Jack Milligan |
In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry.  |
U.S. Banker November 2001 John Hackett |
Ethically Tainted A number of banks are moving into variations of payday lending, the high-yielding business that some observers would describe as predatory. But those who participate in such lending say they're no different than banks that charge high fees for bounced checks...  |
CFO October 1, 2008 Avital Louria Hahn |
Back to the Drawing Board Burned by complex deals, investment banks show a new appreciation for simplicity.  |
National Real Estate Investor August 1, 2006 Matt Hudgins |
Mesmerized by Mezzanine Mezzanine lending for commercial real estate is exploding.  |
U.S. Banker September 2008 John Engen |
Future Shock Where to start when trying to figure out how the banking industry got into the mess it's in today? And where, exactly, do we go from here?  |
National Real Estate Investor February 1, 2005 |
Insatiable Appetite For Debt Financing The prospect of higher interest rates shows no sign of dampening borrower demand for commercial real estate debt, according to an exclusive survey of more than 400 developers and owners conducted by National Real Estate Investor.  |
National Real Estate Investor February 1, 2005 Joe Gose |
Lenders Draw Up Plays to Land Big Deals Aggressive. Innovative. Creative. Those are all fitting words to describe today's lenders as they stretch underwriting terms in ways that were unheard of just two years ago.  |
CFO May 15, 2012 Vincent Ryan |
Reining In Buyout Loans Federal regulators aim for more stress-testing of loan portfolios and better-defined standards on a borrower's ability to repay.  |
FDIC FYI October 28, 2003 |
The Changing Paradigm in Commercial Real Estate A transcript of a roundtable discussion with commercial real estate and commercial mortgage-backed securities experts  |