Succeeding in the Commercial
Banking arena is my life’s work.
I believe banks of all sizes,
shapes & purpose deserve top notch regulatory expertise. That's
why you’ll often hear me say,
"Projects not Payroll.”
If you need a
specialist,
a consultant or just an ally to vet an idea, look
to Banker's Solutions first.
- Mike Strickland
President
Bankers Solutions
Welcome to Banker's Solutions
Welcome to the Banker's Solutions website! We specialize in
assisting banks reach short term and long term
business goals. How? By being for
hire regulatory experts. Turn to us when issues arise from Compliance, Loan
Review, Risk Management, Due Diligence, Employee Training, Manual
Creation, M&A... our
Consulting Team brings fresh views, new ideas
and manpower when and
where you need it.
Don't forget to check
out our Links Page full of Regulatory, Financial
and Industry Sites. And, visit our Library Archive filled with all of
Mike's Top Pick Articles from past
postings!
Meet our newest Senior
Analyst: Robert Hanzel Jr.
Robert comes to Bankers Solutions by way
of The South Financial Group
where he served as a commercial credit
executive since 2004, most recently as Vice President of the
Commercial Credit Division for Carolina First Bank.
His 12+ years of financial and commercial
banking experience bring a depth
of knowledge in comprehensive credit risk,
loan review, due diligence, financial analysis, collections and risk
management. We welcome Robert and are thrilled to have him serve
Bankers Solutions' growing roster of financial institutions
nationwide.
Mike's Back to School Top Pick...
Now that the kids
are back in school, it's time to catch up with
the latest publication from The Federal Reserve about current lending practices. This
excellent article is based on a survey of 73
financial institutions worldwide.
Federal Reserve: The July 2007 Senior Loan Officer Opinion Survey on Bank Lending Practices
The July 2007 Senior Loan Officer Opinion
Survey on Bank Lending Practices addressed
changes in the supply of, and demand for, bank
loans to businesses and households over the past
three months.1
The survey contained a set of special questions
that asked banks about their involvement in, and
their assessment of the outlook for, the
syndicated loan market. As in the April survey,
banks were queried separately about changes in
standards and demand for prime, nontraditional,
and subprime residential mortgages. This article
is based on responses from fifty-three domestic
banks and twenty foreign banking institutions.
Both domestic and foreign institutions
indicated that they had eased terms on
commercial and industrial (C&I) loans over the
past three months, while a small net fraction of
banks reported having tightened credit standards
on such loans over the same period. Respondents
also noted in the July survey that they had
tightened standards on commercial real estate
loans. Regarding the demand for business loans,
a moderate net fraction of domestic institutions
reported weaker demand for C&I loans over the
past three months. Branches and agencies of
foreign institutions, by contrast, experienced
stronger demand for such loans, on balance, over
the same period. Both domestic and foreign
institutions noted that the demand for
commercial real estate loans had weakened, on
net, since April.
With regard to loans to households, a small
net fraction of domestic institutions reported
having tightened lending standards on prime
residential mortgages over the past three
months, whereas considerable net fractions of
these respondents indicated that they had
further tightened lending standards on
nontraditional and subprime mortgage loans.
Moderate fractions of domestic banks, on
balance, reportedly experienced weaker demand
for prime and nontraditional residential
mortgages over the past three months, but a
notable net fraction of banks reported that they
had seen weaker demand for subprime residential
mortgages over the same period. A significant
net percentage of domestic banks also reported
weaker demand for consumer loans over the past
three months.