Blog Posts in category: commercial lending

Business Lending is Ripe for Disruption. Is Your Bank Ready?
Posted on October 21, 2024 by Baker Hill
Traditional lending involves plenty of paperwork and long approval times, delaying loan approval anywhere from several days to several weeks. These delays push borrowers to lenders – not all of them financial institutions – that can approve and fund credit...

Lessons from America’s Top Commercial Lenders
Posted on September 9, 2024 by Baker Hill
The current environment is very challenging for commercial lenders. Even with higher interest rates, a weak office market and inflation, there are still good business opportunities for forward-thinking commercial bankers that follow these proven strategies, which we’ll cover in today’s...

The Call for Effective Covenant Monitoring Has Never Been Louder
Posted on July 22, 2024 by Baker Hill
In the world of commercial lending, banks and borrowers are paying close attention to their financial covenants. And for good reason: covenants enforce minimum financial performance conditions on the borrower. These loan covenants are not a pre-decided set of principles...

Mitigating CRE Concentration Risk in 2024
Posted on July 15, 2024 by Baker Hill
According to a Federal Reserve Bank of St. Louis report , market sentiment about the CRE office sector declined sharply over the last two years, with the Bloomberg REIT office property index falling 52% from early 2022 through the third...

Why Now is a Perfect Time for a Credit Department Tune-Up
Posted on June 10, 2024 by Baker Hill
As bankers are keeping an eye on CRE lending challenges affecting both supply and demand for capital, demand from borrowers is well off the robust pace of lending that many banks saw in 2022. The good news is that...

Lending Policies & Processes that Mitigate Risk in Any Economy
Posted on May 10, 2024 by Baker Hill
Managing risk is a core component of banking, but the financial landscape today and over the last few years has been especially fraught with risks. Between ongoing competition for deposits, a struggling CRE space as office vacancies surge, and an...
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